I recently talked to a couple from Missouri who moved to NJ. I couldn't BELIEVE how good their old MA plans in Missouri were. $1250 OOP Max, $3000 in dental, it was crazy! I had to level set that the OOP Maxes in NJ were by and large much higher. Also had many clients tell me the plans in AZ are great as well. Congrats on 150K subs!
One thing that you mentioned in the first comments was that advantage plans don’t always approve all procedures. I have seen that information on other sites. People sometimes fight for getting reimbursed for over a year. I’m in an advantage plan currently and started the process of switching over to a supplement, yes I have to go through an underwriting process so I will see how that goes.
My husband has a UHC Advantage plan from his NYC construction union and his OOPM is way less so I guess he's lucky. for 2025 it's the same as it was for 2024 as follows: Your plan has 2 annual service-specific deductibles. You have a $240 combined in and out-of-network Outpatient services deductible that applies to most outpatient services. You also have a $1,632 combined in and out-of-network Inpatient services deductible that applies to most inpatient services. ** there are 0 copays for all doctors/specialists. that's why we kept it. I would rather have a supplemental plan but the Advantage plan is so much cheaper. nugget
Regarding some of the country's top-tier hospitals and treatment centers, like Johns-Hopkins and Mayo Clinic either not accepting or not contracting with Advantage plans, I would surmise accessing those facilities would not be a realistic option for many, due to factors like having to travel across state lines to be treated there, and the resulting transportation and lodging costs that would be incurred. That's assuming you could get accepted into one of their treatment programs in the first place, and your medical condition would not make long-distance travel difficult.
Maryland. $7,500 max OOP John Hopkins does not Accept advantage Plans except for their Advantage plan New York. Moop $7,900 Montana. Moop $5300 Wyoming. MOOP. $6,200 Alaska. Advantage plans Not offered.
You can put California on the list twice,but I wouldn’t go with it,I like just plain medicare,big deal for me if I don’t like a specific doctor I can change providers,happen to had to do thst twice.
Nuggets of information...thank you. About to decide if to change from my Medicare Adv plan to a FEHB Medicare Advantage plan...wondering if I still have to keep Part B of Medicare and if I have to make 2 individial sets of payments to Medicare and to the FEHB plan?
Doublecheck your zip code as well -- 5) Maryland; 4) New York; 3) Montana (due to wide areas & low population density); 2) Wyoming -- same as Montana problems; & 1) Alaska - Medicare Advantage plans are not offered at all, but have the same problems of availability as Montana & Wyoming!!
Erik, do you know of any new states this coming year that will be offering annual guarantee issue rights, similar to CA, OR, WA, ID, MO, OK, etc? That nugget of information would be very much appreciated!
Here is a nugget. Im a new widow and trying to figure out what happened! I have a Kaiser Medicare advantage plan and I am absolutely lost in this game of what Medicare option is best. Help!
Happy to help however we can. Kaiser doesn't work with independent agents, so for Kaiser specific questions, their customer service team would handle things. I can help with general questions though. Erik@theretirementnerds.com
Yeah, my former employer's Medicare-Age Retiree medical plan is an Advantage Plan that is supposedly a nationwide network, it's not free per month, I think right now there are 2 options, like $50/mo or $150/mo, I don't recall what the difference was but I didn't really see much difference. It sure sounded too good to be true, but that's still 4 yrs away for me so I'm sure everything will change by then...LOL. Better have a darn good plan if you regularly eat 🐔 nuggets! 🤣
Many of the employer-sponsored group retiree Advantage plans are superior to individual Advantage plans in a number of ways, especially the copays and annual max out-of-pocket, which can be ridiculously low on the group retiree plans.
@@g0989 Thank you, that's true. I think the (current year) MOOP is like $900, and supposedly it's a 'nationwide network PPO'. The company, like many, actually self-insures pre-medicare retirees and employees, and I bet it's a special deal of some sort with UHC...But, I don't really trust my former company much, and I'm still 4 yrs away so I don't imagine anything will be the same then...
Ph Trust the insurance carriers even less. Once u subscribe to an A Plan for more than a year your locked in. Or you pay dearly for the underwriting rates in most cases. As in all of the supplemental and Advantage Plans they will change over time. Both in price and benefits
@@JohnJohn-wr1jo Thank you John, I completely agree. I don't trust my former employer much, OR the insurance carrier. Yep, I understand what they say when you sign up isn't necessarily the same a month later, let alone the next year! I personally am very tilted toward original Medical + Supplement plan. It's just, dang, it IS expensive.. And, well, in 4 yrs it may not exist anymore anyway. Sigh.
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Always appreciate your nuggets of information.
Thank you so much :)
Appreciate you so much!
I recently talked to a couple from Missouri who moved to NJ. I couldn't BELIEVE how good their old MA plans in Missouri were. $1250 OOP Max, $3000 in dental, it was crazy! I had to level set that the OOP Maxes in NJ were by and large much higher. Also had many clients tell me the plans in AZ are great as well.
Congrats on 150K subs!
Pretty crazy how much plans can vary.
Appreciate you!
People in NY just can't get a break. Thanks for all of the nuggets of knowledge in all of your videos.
A lot of things our friends in NY need to think about. Thank you Tom!
One thing that you mentioned in the first comments was that advantage plans don’t always approve all procedures. I have seen that information on other sites. People sometimes fight for getting reimbursed for over a year. I’m in an advantage plan currently and started the process of switching over to a supplement, yes I have to go through an underwriting process so I will see how that goes.
Good luck! Hope it goes well!
Nuggests. Very interesting information.
Thank you so much!
Love the nuggets of wisdom you share.
Appreciate you 🙏 😊
Another gold "nugget" of a video ... cheers!
Appreciate you!😊
Thank you my friend for the Medicare advantage plans
Thanks for sharing Your Nugget with Us !
Appreciate you watching!
Always nice to find out I'm in the rarified 3- 5%. I generally hit my OOP max by March.
Sorry to hear that! I hope you are okay!
@@Theretirementnerds, thank you! It has been an interesting few years.
Thanks, Erik, for more nuggets of retirement knowledge-sharing.
Appreciate you watching!
Another gold nugget video ! Thank you !
Thank you so much!!
My husband has a UHC Advantage plan from his NYC construction union and his OOPM is way less so I guess he's lucky. for 2025 it's the same as it was for 2024 as follows:
Your plan has 2 annual service-specific deductibles.
You have a $240 combined in and out-of-network
Outpatient services deductible that applies to most
outpatient services. You also have a $1,632
combined in and out-of-network Inpatient services
deductible that applies to most inpatient services.
** there are 0 copays for all doctors/specialists.
that's why we kept it. I would rather have a supplemental plan but the Advantage plan is so much cheaper.
nugget
Thank you so much for watching and sharing your experience!
Regarding some of the country's top-tier hospitals and treatment centers, like Johns-Hopkins and Mayo Clinic either not accepting or not contracting with Advantage plans, I would surmise accessing those facilities would not be a realistic option for many, due to factors like having to travel across state lines to be treated there, and the resulting transportation and lodging costs that would be incurred. That's assuming you could get accepted into one of their treatment programs in the first place, and your medical condition would not make long-distance travel difficult.
Maryland. $7,500 max OOP
John Hopkins does not
Accept advantage
Plans except for their
Advantage plan
New York. Moop $7,900
Montana. Moop $5300
Wyoming. MOOP. $6,200
Alaska. Advantage plans
Not offered.
You can put California on the list twice,but I wouldn’t go with it,I like just plain medicare,big deal for me if I don’t like a specific doctor I can change providers,happen to had to do thst twice.
Nuggets of information...thank you. About to decide if to change from my Medicare Adv plan to a FEHB Medicare Advantage plan...wondering if I still have to keep Part B of Medicare and if I have to make 2 individial sets of payments to Medicare and to the FEHB plan?
Doublecheck your zip code as well -- 5) Maryland; 4) New York; 3) Montana (due to wide areas & low population density); 2) Wyoming -- same as Montana problems; & 1) Alaska - Medicare Advantage plans are not offered at all, but have the same problems of availability as Montana & Wyoming!!
Alaska 😮
Would love to know what you think of the IL Teacher Advantage Atena PPO Program
Nuggets
Thank you!
Erik, do you know of any new states this coming year that will be offering annual guarantee issue rights, similar to CA, OR, WA, ID, MO, OK, etc? That nugget of information would be very much appreciated!
Here is a nugget. Im a new widow and trying to figure out what happened! I have a Kaiser Medicare advantage plan and I am absolutely lost in this game of what Medicare option is best. Help!
Send him an email and set up an appointment.
Happy to help however we can.
Kaiser doesn't work with independent agents, so for Kaiser specific questions, their customer service team would handle things. I can help with general questions though.
Erik@theretirementnerds.com
Nugget.
Thank you!
Gold nugget!
Thank you!
Yeah, my former employer's Medicare-Age Retiree medical plan is an Advantage Plan that is supposedly a nationwide network, it's not free per month, I think right now there are 2 options, like $50/mo or $150/mo, I don't recall what the difference was but I didn't really see much difference. It sure sounded too good to be true, but that's still 4 yrs away for me so I'm sure everything will change by then...LOL. Better have a darn good plan if you regularly eat 🐔 nuggets! 🤣
Thank you for watching! And definitely keep up on that as things change
Many of the employer-sponsored group retiree Advantage plans are superior to individual Advantage plans in a number of ways, especially the copays and annual max out-of-pocket, which can be ridiculously low on the group retiree plans.
@@g0989 Thank you, that's true. I think the (current year) MOOP is like $900, and supposedly it's a 'nationwide network PPO'. The company, like many, actually self-insures pre-medicare retirees and employees, and I bet it's a special deal of some sort with UHC...But, I don't really trust my former company much, and I'm still 4 yrs away so I don't imagine anything will be the same then...
Ph
Trust the insurance carriers even less. Once u subscribe to an A Plan for more than a year your locked in. Or you pay dearly for the underwriting rates in most cases. As in all of the supplemental and Advantage Plans they will change over time. Both in price and benefits
@@JohnJohn-wr1jo Thank you John, I completely agree. I don't trust my former employer much, OR the insurance carrier. Yep, I understand what they say when you sign up isn't necessarily the same a month later, let alone the next year! I personally am very tilted toward original Medical + Supplement plan. It's just, dang, it IS expensive.. And, well, in 4 yrs it may not exist anymore anyway. Sigh.
Supplemental Plan for sure.😁
nugget
Thank you!