These Medicare Mistakes Keep You Poor

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  • Опубликовано: 31 дек 2024

Комментарии • 120

  • @MyGovExpert
    @MyGovExpert  5 дней назад +13

    FOR FREE MEDICARE HELP, please call my Medicare partner, Chapter Medicare, 352-841-0632
    PETITION to support YOUR LOCAL Social Security Office: chng.it/hQXwrtWW4y
    Petition to RAISE FICA CAP: www.change.org/SmashFICAcap
    Private consultation with Dr. Ed? Schedule: MyGovExpert.as.me/ Get ALL your questions answered privately AND support all of our FREE CONTENT!

    • @vidznstuff1
      @vidznstuff1 3 дня назад

      Have a 65yo divorced spouse, we were married more than ten years, who's sole caregiver for an SSDI pre-21 disabled son. I was on SSDI, now am on SS. Her local SS office keeps saying she cannot get a caregiver spousal benefit. What can she collect from SS & when? Can it be retroactive to her initial query?

  • @zhannabrichkova1599
    @zhannabrichkova1599 5 дней назад +37

    Medicare should not cost any money for alder people

  • @Kim-kd3sr
    @Kim-kd3sr 5 дней назад +57

    Why is our social security program so complicated?

    • @Laurellafleur
      @Laurellafleur 5 дней назад +13

      I find all of this disgusting ! The "government " makes this so damn complicated for no good reason!! RIDICULOUS!

    • @newjerseydevil6115
      @newjerseydevil6115 5 дней назад

      There's a reason. The government doesn't want you to receive your money.

    • @genepage3405
      @genepage3405 5 дней назад +9

      It has become complicated for more than one reason. There are so many rules and regulations that even the agents within social security and CMS or Medicare do not fully understand all of the applicable rules. That's one reason why there is a grievance process. Another reason is that some agents feel that the government money belongs to them and it is their responsibility to keep it in the government pocket. I do appreciate their desire to protect government funds however this can mislead them into making poor or misguided recommendations on what things must be done. For example, My wife was taken off of her disability and told she had to go on to social security because I was taking mine. I was later informed that this was not true and she should have stayed on her disability which automatically gave her things like Medicaid. There are many reasons and many answers that do not always seem to make sense and therefore asking multiple people under multiple circumstances may be required.

    • @teedee8028
      @teedee8028 5 дней назад

      Liberals suck

    • @Kathleen67.
      @Kathleen67. 5 дней назад +8

      It's all about the money.

  • @jr3254
    @jr3254 5 дней назад +6

    The biggest problem with social security is the fact that the u.s government runs it .they have thier sticky fingers all over it😂😂

    • @makb5354
      @makb5354 16 часов назад

      As oppose to whom, the private Corporations? You are delusional thinking the private company will run it well and protect it. Just look around what private Corporations are constantly doing to their clients.

  • @noicue8078
    @noicue8078 5 дней назад

    Thank you. 🙏

  • @2knowah
    @2knowah 5 дней назад +2

    Next year I will consult Chapter before I make a decision.

  • @nancydavis4904
    @nancydavis4904 4 дня назад +2

    Medicare EBT took $18.00 from my card for food when SS gave us the increase dont want me to have a piece of meat lol

  • @quinhaz7692
    @quinhaz7692 День назад

    I don't understand why I am being penalized for not signing up for medicare when they wanted me to. Why don't I get to make that decision? What difference does it make to them? I'm told that it's a penalty for life!

  • @legacyartisansllc3783
    @legacyartisansllc3783 5 дней назад +3

    Dr Weir. I have listened to hundreds of your broadcasts. Thank you for your service, Sir. Turn 65 in late Jan. This is the first time I heard you say I needed to submit a form to deny part B? Then later you said I dont need to contact SSA if I choose not to enroll in A/B ? I dont see it in Forms onlIine mySSA. Clarify please. I have great employer insurance (JPMChase). Also, I was one of the idiots who threw away/misplaced their medicare packette - could you please address how to fix that. Lastly, I rec'd a letter last Nov that said I had applied for benefits? I dont remember doing that - what should I do? I have had a mySSA acct for years - dont see the application there.

  • @derek2479
    @derek2479 5 дней назад +5

    Thanks for this. Right at 12:25 is what I was looking for. My wife turns 65 in 2025 but I'm 62 and still working and she's on my insurance. I was looking for the proof we'd need to show that she was covered with creditable insurance/drug plan , and I downloaded those forms. I'll get those filled out for each year until I stop working.

  • @lcosborn
    @lcosborn 3 дня назад

    My problem with Medicare advantage surfaced when several of my specialty doctors decided not to participate in these plans. I was told that regular Medicare paid better than Medicare advantage. I did not want to shop for multiple new doctors so reverted back to regular Medicare.

  • @patschaefer2498
    @patschaefer2498 5 дней назад +10

    Thank you Chapter for helping me choose a G and D plan! My advantage plan was cancelling and I decided to go with G and D!

    • @carmenn5609
      @carmenn5609 22 часа назад

      May I ask what it cost you to have the supplement G & D? And D is for medication, correct?

    • @patschaefer2498
      @patschaefer2498 10 часов назад

      @ Hi, the cost is different for company’s and states, mine for G is going to be under 100 per month, The D is for Meds and has no cost. Call Chapter, they are fantastic and will be able to answer all your questions

  • @Wigington24
    @Wigington24 5 дней назад +16

    I just called social security it's a 2-hour wait after listening to a half an hour recording

    • @laurarush
      @laurarush 5 дней назад +1

      That's exactly what I encountered and after about 40 minutes of waiting they gave me the option of a call back and then they did call me back and they were helpful but still made their own appointment for me but

    • @Tinfoil.Hatter
      @Tinfoil.Hatter 5 дней назад

      Sucks..been there also....Press 1 at the end to have them call you back at the phone you are on..60 to 90 minutes they will call you back..watch the phone like a hawk and don't let it ring twice..Good Luck

    • @frunkdup828
      @frunkdup828 4 дня назад

      I once had to wait for over 6 hours

  • @ForeverDC_
    @ForeverDC_ 4 дня назад

    I've only been on MC for a couple of months and with the new year coming up I will have to have a knee replacement and I'm having trouble getting everyone on the same page. One doc that accepts my Medigap provider and another doc doesn't take that provider, especially the hospitals. I was told by a hospital if I had MC A&B only they would accept, but will not take the provider I have for my Medigap. It's crazy trying to find a Medigap provider everyone takes. My broker said if I have MC A&B then they have to accept whatever provider I have for my Medigap. Is this correct? Otherwise trying to get everyone on the same page is madness.

  • @tacticaltruth8118
    @tacticaltruth8118 3 дня назад

    Ed, thank you for your channel and support to all who are struggling through SS and Medicare.
    Your help requested: I lost my job in November 2024. My salary through 2023 and 2024 pushed me into having to make IRMMA payments on top of the normal Part B premium. I paid for Part B and Part D plus IRMMA premiums for Dec 2024, Jan & Feb 2025. The SSA office told me to bring in form SSA-44 to request a reduction in IRMMA due to a “life changing event”. I did this and just got a rejection to remove the IRMMA because my life changing event (work stoppage) did not lower my 2024 MAGI enough to allow for a change. However, I was requesting the change for 2025, not 2024. Did this get messed up? Do I need to go to SSA office in Jan 2025 to make the request again for 2025? I will no long have a salary only my only source of income will be my SS check. My spouse will not get SS until July 2025. This means our Medicare Part B & D premiums and IRMMA will eat up over a third of oure SS income for 2025. Am I stuck or can I make a request for life changing event in Jan 2025? Thank you!!

  • @wendynoren6616
    @wendynoren6616 2 дня назад

    What happens if the company doesn't have 20 or more employees?

  • @dougdellwo3274
    @dougdellwo3274 5 дней назад +1

    I did not have any problem getting social security in May and now Medicare in December. It was easy and not complicated.

  • @Mr.-J-2024
    @Mr.-J-2024 5 дней назад

    thank you

  • @catherinekuntz8306
    @catherinekuntz8306 День назад

    We will be working ot fr the next 3 months

  • @juliedolph-f7u
    @juliedolph-f7u 5 дней назад +1

    I’ll try to make my question brief. I was on SSI and when I turned 62 they put me on my security and SSI. My husband who I’m separated from just turned 62 he’s on disability he gets about 2000 a month. So I applied for a part of those benefits, but I only got about $200-$300 a month. And I was told you could get from 1/3 to half but I’m not even receiving a third and I wondered if that’s because I was 62 when the Social Security office filed For my Social Security? Or did someone in the Social Security office not do it properly. I’m still getting totaled what I would get on SSI if I weren’t getting the other benefits.

  • @wordswords2094
    @wordswords2094 4 дня назад

    please cover the QMB's.

  • @elizabethcomesana6165
    @elizabethcomesana6165 5 дней назад +5

    I’m 64, work part time. So no health insurance from work. I buy my own health insurance. Looking forward to receiving Medicare when I turn 65 but not taking SS until my FRA at 67. How will my Medicare premium be paid since I won’t be receiving SS at the same time? Will it be drafted from my checking account?

    • @hollynauss6359
      @hollynauss6359 5 дней назад +4

      You will receive a bill for 3-5 months at a time for your medicare until you get on social security, then the monthly premium will be taken from your SS benefit.

    • @valeriepafford1919
      @valeriepafford1919 5 дней назад +4

      I went on Med A at 65 in early 2024, then B when I retired in June 2024. I had to pay the first 3 months' premium at once but then signed up for monthly auto pay Bank drafts after that, until I start receiving SS checks.

    • @Kathleen67.
      @Kathleen67. 5 дней назад

      In my case I signed up at 65, waiting until 70 to take my S.S. I had to pay four months in advance, so be ready. You can be 2 or 3 months behind in payments without be cancelled and no fees, if it takes you a while to catch up. I set it up to come out of my checking monthly, a nightmare for me. Eventually, I chose to pay monthly right from Medicare.gov. Also, know that if you want to cancel you still have to pay for two more months.

    • @anitaellis2802
      @anitaellis2802 5 дней назад

      @@valeriepafford1919 do you do that on the Medicare.gov website? I’d like to have it auto deducted monthly until my FRA rather than a quarterly bill.

  • @scentsbysherri
    @scentsbysherri 5 дней назад +2

    If I am going to be 65 in August, when should I go to Social Security to file for my Medicare?

    • @anitaellis2802
      @anitaellis2802 5 дней назад +1

      @@scentsbysherri if you are collecting SS, they automatically enroll you into Part A and Part B and send you your cards. If you aren’t, your initial enrollment period begins May 1 and goes to November 30. If you need the insurance, apply as close after May 1 as possible. You want to avoid October and November, if possible because you’ll end up like me getting caught in their open enrollment period. My birthday is in January and initial started 10/1/24 and I got caught smack dab in the open enrollment

  • @anitaellis2802
    @anitaellis2802 5 дней назад +1

    I’m one of the people turning 65 each day. My birthday is in January so my initial enrollment started 10/1/24. I had to wait until I saw my doctor 10/7/24 to make sure he would take A & B then I applied on line 10/14/24. It took until 12/20/24 before they finally approved/processed it. I don’t know if I got screwed up by open enrollment but it does make me angry that it took 68 days.

  • @jasondelombarde4406
    @jasondelombarde4406 2 дня назад

    I don't like too change doctors unless they leave office?

  • @christinehoeflich
    @christinehoeflich 5 дней назад +2

    What if I simply do not want any Medicare as I am opting out of the Medical Industrial Complex? I will be 65 end of March 2025. I mean I would never take drugs or have surgery or radiation, so why can't I simply opt out? I DO NOT WANT IT, nor do I want to support it in any way.

    • @neoman1858
      @neoman1858 5 дней назад

      Pass out, be taken to the hospital ER in an ambulance. You’ll be taking a lot of things. In that kind of situation medical personnel have presumptive emergency consent to do many things.

    • @christinehoeflich
      @christinehoeflich 4 дня назад

      @@neoman1858 What makes you so sure I will pass out? Or that if I pass out say 20 years from now that I won't come to on my own? The laws will change soon, so I'm not worried. Also the truth about the medical establishment will come out soon, too. There's things I know about proper nutrition and health even unknown to more than 99.99% of naturopaths and I am actually reversing symptoms, with diet and real detoxing. Drugs, surgery, etc. cannot help. Why participate in the lie?

  • @kathystewart4903
    @kathystewart4903 5 дней назад +2

    MA so messed up here. My surgery approved in Dec 24. Then the plan was dropped. Sign for new plan, but same provider due to surgery. Then all of medical facilities, hospital and pcp dropped contract with my new plan for 25. Then surgeon changed my surgery date to March 12th. So I feel stuck with a plan that has surgery approved but dropped from ALL Lex med centers. My neurosurgeon is not thru lex med ctr and currently doing surgery in March. But if I have to go to hospital then I have to pay out of pocket. Cancel surgery? Find new plan and hope for surgery approval? Not much offered here in lexington SC. So screwed up.

    • @Kathleen67.
      @Kathleen67. 5 дней назад

      I'm so sorry. Have you called into Dr. Ed's guys? They wil find you the best situation and it costs you nothing. His group is called Chapter, they will fight for you.

  • @Henry-kr4ws
    @Henry-kr4ws 5 дней назад +2

    Hi Dr. Ed, I'm get SSDI and I will turn 65 in 2025. Do I have to call SSA or go in to the office? I have a ssa card and have part A and pay part B. I have not received a package or new card. Will I be getting a package or not?

  • @MrEjohnston
    @MrEjohnston 4 дня назад

    I was born in 1960. I am on Social Security Disability and Medicare. As you know, people born in 1960 are the first Americans that have to work till 67 for full retirement. Can you make a video(s) discussing what happens at ages 62 and 65 with 67 being full retirement. The odds of a CDR for 65 year olds,etc... thanks.

  • @ericcxxxx
    @ericcxxxx 4 дня назад

    for us ssdi we have to wait 2yrs after getting ssdi before Medicare kick in....

  • @dort5436
    @dort5436 4 дня назад

    I'm working full-time and turning 70. I signed up for part A but not B because I get medical insurance thru my job and union membership. I thought if I was working I didn't need to change to Medicare. As a service provider I work for my son but paid by state. As a SEIU member my medical insurance is thru union. Should I have signed up for B years ago?

  • @SaraKeen-zi4qd
    @SaraKeen-zi4qd 5 дней назад

    When I called for Medicare plan change, I inquired about G. The lady told me in addition to $174 I’m paying now it would be an additional $500 for G. Can’t afford that so I’m staying on regular supplemental Medicare advantage.

  • @Kim-kd3sr
    @Kim-kd3sr 5 дней назад +92

    Medicare programs shouldn't be so complicated that it requires podcasts to explain it, or requires thousands of companies to hold conventions to explain how it works! It's ridiculous!

    • @stevek1971
      @stevek1971 5 дней назад +4

      I don’t find it that confusing for part A , part B ,N and G . I find the Medicare Advantage program a disaster of maximum benefit to the user.

    • @anitaellis2802
      @anitaellis2802 5 дней назад

      @@stevek1971don’t forget part D

    • @stevek1971
      @stevek1971 5 дней назад

      @@anitaellis2802 oops my bad🤣

    • @rubicon3416
      @rubicon3416 5 дней назад

      Agree. It is ridiculous.

    • @anitaellis2802
      @anitaellis2802 5 дней назад

      @@stevek1971 I signed up for Parts A, B, N and I need my Medicare number to sign up for D.

  • @etheljoe5786
    @etheljoe5786 5 дней назад +2

    Hello Ed , I’m (wife) on SSDI, is my husband (63) eligible or can he file for retirement on my SS while he waits for his FRA? And can he still work?

  • @KismetBP
    @KismetBP 5 дней назад

    Q: Is $22,320 max limit the total amount from the SS benefits + other income or is it separate? I.e. your getting $1,000 per month SS x 12 = $12,000 + 12,320 Other income = Max? Or $12,000 SS + $22,320 Other = $34,320 Max?

  • @agilli5388
    @agilli5388 5 дней назад +1

    I never saw an option for plan G where is it?? What is it. The basics. Please!

    • @frunkdup828
      @frunkdup828 4 дня назад

      It falls under the umbrella of plan B - it’s one of the options to supplement your plan A (G & N are two of the options to supplement under plan B)

    • @agilli5388
      @agilli5388 4 дня назад

      @@frunkdup828 Thank you!

  • @Kathleen67.
    @Kathleen67. 5 дней назад

    You cannot opt out of Part A if you put in 40 quarters unless you want to opt out of your S.S.

  • @cecipalacios1007
    @cecipalacios1007 5 дней назад

    Those whose plans were canceled, they have until Janaury 31 to select a new plan. It is a Special Enrollment Period (SEP)

  • @dominickdipietrantonio792
    @dominickdipietrantonio792 5 дней назад

    How do you figure out what the best medigap plan for me is I'm in ny

  • @alanflatau1685
    @alanflatau1685 5 дней назад

    I'm a veteran with VA BENEFITS, on disability at 64YRS old 65yrs old in may next year 2025.I have part A only should I get part B ,give back plan option only wait for 67yrs old were they automatically in roll you??

  • @ruthkinney6011
    @ruthkinney6011 5 дней назад

    I think option medigap L should be talked about. It pays 75% of the 20% gap up to a max outta pocket. Premiums are better able to stand the test of time. Why don’t more brokers sell it? Do they not make enough commission on it?

  • @samuelsantiago3229
    @samuelsantiago3229 5 дней назад

    Is it true that Social Security is raising the age to retirement. I was born in 1960 and look to retire in 2027 at 67 yrs old but now I’m hearing, they are raising the age.

    • @frunkdup828
      @frunkdup828 4 дня назад

      If the age is raised it would only impact ppl 20 - 25 years away from their full retirement ages - so NOT you

    • @jasondelombarde4406
      @jasondelombarde4406 2 дня назад

      No they are not the senate turned it down

  • @PLor-gt2cc
    @PLor-gt2cc 5 дней назад +2

    That's silly. Some retired people only receive around $400 to $600 per month, and it includes rent, utilities, and food, which depletes the funds. So how are people going to pay Med part A, or anything else in that situation? I know two people who worked for decades and only receive a small amount. Now, health issues. SSA denied funds.

    • @Kathleen67.
      @Kathleen67. 5 дней назад

      In that situation they would have to get welfare, Medicaid combined with Medicare. Medicaid will cover Part A, B, and D payments.

    • @frunkdup828
      @frunkdup828 4 дня назад

      Who would retire if they only get $400 to $600 per month? Are they disabled or retired? Ppl do NOT retire if you won’t have enough to live on - this may suck but it’s up to YOU to support yourself NOT others

    • @PLor-gt2cc
      @PLor-gt2cc 4 дня назад

      @ The situation was beyond control is why. She is married and has a large family who help. Life happens.

  • @Traebert
    @Traebert 5 дней назад

    I have Tricare Prime do I need medicare

  • @Pjwilliamson55
    @Pjwilliamson55 5 дней назад

    What about the penalty to a spouse who declined medicare because she was on her husband's insurance period when he retired she elected to apply for Medicare while on disability, and at that time they penalized her with double premiums for many years on which she is still paying because she elected not to get Medicare

  • @crystalstarVIV
    @crystalstarVIV 5 дней назад

    Is there a work around to NOT BE ON HOLD FO'EVA with the Social Security 800 #?

    • @hollynauss6359
      @hollynauss6359 5 дней назад

      @@crystalstarVIV try calling your local SS office, not the #800 number.

  • @sandracook1305
    @sandracook1305 5 дней назад

    My birthday is 14th. Got Dec payment Dec 13, the 2nd Friday. Been getting early several months. Why?

  • @genepage3405
    @genepage3405 5 дней назад

    Part D requires having your A and or your B coverage but it does not require both.

  • @julietamillare512
    @julietamillare512 5 дней назад

    I started receiving my SSA benefit checks last October 2024 , I automatically signed up with Medicare A and B. My Part B will start by Feb of 2025. I am confused what to get if it is a Medicare Supplement or Medicare Advantage. I don’t often go to doctors except for annual checkups or for emergency cases like sciatica nerves is bothering me . Pls give me an advice. I am 71 years old now. I just done with my 40 pts credits. Thanks

  • @leticia_LdReyes-Alioto
    @leticia_LdReyes-Alioto 5 дней назад

    If u have hmo. You can continue it automatically if no change

  • @cindywhitaker2499
    @cindywhitaker2499 5 дней назад +2

    My Medicare advantage program cancel my policy I went to an insurance Company in my town after I could not get a hold of chapter after the 127 deadline Now I am stuck with a policy Don't want it's over $250 a Don't want it's over $250 a month and I can't afford to afford that How do I cancel this and find something I can't I can't afford End I still have to buy a duck drug problem

    • @sher1978
      @sher1978 5 дней назад

      Maybe call your Office For The Aging in your county? They are the ones I call and go through and they help me with everything Medicare, Social Security, etc. Good luck!

    • @ArturoAlvarez-m9g
      @ArturoAlvarez-m9g 5 дней назад +1

      I am going to cancel it out I have no idea what they set me up with I can't afford a lot on social security

  • @pattyv341
    @pattyv341 5 дней назад

    The video cut off when the q&a started... Bummer

  • @kevinmaden5572
    @kevinmaden5572 5 дней назад +1

    They say Medicaid is for Poor people ! I don't have a job so what am i 🤔

    • @user-bg9em7ch6k
      @user-bg9em7ch6k 5 дней назад

      If you live in Oregon you are eligible to be on Oregon Health Plan (OHP). It’s Medicaid, even though many people don’t know that.

  • @elenaehle1051
    @elenaehle1051 5 дней назад

    I understand that plan G is no longer available for new enrollees. Did something change?

  • @kevinmaden5572
    @kevinmaden5572 5 дней назад

    But i always got over $967 a month since 2020 ! 4 years later its a problem 🤔

  • @jeanwilliams51
    @jeanwilliams51 5 дней назад

    You can get zero payment for Medicare. I never hear you talk about give back

  • @kevinmaden5572
    @kevinmaden5572 5 дней назад

    Medicaid sent me 10 letters ending my Medicaid they said you get over $967 a month 🤔

  • @oldasdirt3760
    @oldasdirt3760 5 дней назад

    Bummer, stopped at Q and A….

  • @kevinmaden5572
    @kevinmaden5572 5 дней назад

    So in order to get Medicaid you have to get $967 or less 🤔

    • @sher1978
      @sher1978 5 дней назад

      I wonder, does the money in you’re savings or checking account in your bank affect Medicaid as a senior citizen? Did that part change for you?

    • @jasondelombarde4406
      @jasondelombarde4406 2 дня назад

      I get more then then that so I think you allowrd gross $18, 00 0 yearly no more then that you get accepted

  • @waynepetty1727
    @waynepetty1727 5 дней назад +2

    December 7 -- "a date which will live in infamy"

  • @marypatriciadomhan3853
    @marypatriciadomhan3853 5 дней назад

    How do I get on a live chat?

    • @jasondelombarde4406
      @jasondelombarde4406 2 дня назад

      I think have pay monthly click on his more location under the video