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Many elderly people have retired and get low Social Sec payments. None of it is affordable! We need universal health care in America! Seniors worked their whole life & deserve it. Sick of the corruption & greed preventing care.
You want to look at the National Health Service in the UK, which is free at the point of service. It is flat broke and doctors and nurses go on strike, and good luck waiting for an ambulance. In addition, there is an 18-month wait for NHS dentists and in some places, there are no NHS dentists available. Medicare like SS is a pay-as-you-go program. While working your taxes paid for the retirees before you and current workers are paying for your benefits. The current workers have received lower pay raises than SS benefits, and their healthcare costs are increasing at rates higher than Medicare increases. Not all seniors worked their entire lives since Part A benefits are zero with just 10 years of work.
You are providing great information to the people. People in this country have no idea what they are getting into when they retire and go on Medicare. Special place for you in Heaven for clearly explaining this.
That's why they change every year to keep you confused and this is what seniors have to deal with While their giving illegal immigrants millions of dollars in services the disrespect is unreal. Greedy devils
I turn 65 in January. To me, the Advantage plan reminds me of my previous employer plan. The MooP is what scares me to death. I had a major ear surgery in June of '22 which involved a neurosurgeon along with my ENT Dr. The neuro wanted me to have a complicated MRI done. It would have cost me 3k out of pocket. I didn't have the MRI done bc I couldn't afford it. Then, after the surgery, I got hit with a $4900 bill, my MooP. Couldn't afford to pay this in one shot either, so now, I'm still making monthly payments on that bill. Because of this, I'm going to go with Supp Plan G. I'm in pretty good health otherwise, on no meds, but you never know. I spoke to Victor the other day from Medicare School and he was very helpful. I have a follow up with him in Oct. Thank you Marvin, so glad I found you on FB. You're info has been so helpful. I would have been so lost without it.
Im a newly licensed broker, and I cant begin to tell you how informative your videos are. My sister turned 65 last year and went with a Plan N because she did her homework watching your videos. Thank You.
I was a medicare sales agent for an FMO and they were pushing MAPD plans and supplementals in the beginning. Then they announced that Supps would no longer be offered. Luckily, I had to quit for health reasons. I am glad that I did, because after I began to watch these teachings, I realized the disservice the FMO was doing consumers. They were taking away the consumer's freedom of choice. I want to get back into sales, but don't know where to find a brokerage in my area. Any suggestions would be helpful. I love educating people so that they can make informed decisions.
On Medicare for Seven years now.. moved from Advantage to Supplement Plan with high deductible.. no broker ever referenced or introduced me to this Advantage co-payment protection plan.. and no friend ever discussed it either, which tells me that they are not aware of the plan either.. thumbs up to your initiative 👍👍
I noticed you did not include any pricing for these plan, would it be just as cost effective to have regular Medicare and pay for Medigap instead of coverage for co-pays? It is my understanding that most insurance agents get paid a higher commission for selling the advantage plans and that is most likely why there is so much debt for people on these plans. Your information is Informative but does not tell the whole story.
@richardburden4384 Medicare advantage plans in So. California seems to be most cost-effective. The plan that I have there are vertically no co-pays. And all medications cost me zero.
This is new information to me! I just went on Medicare a few months ago and am completely happy with my plan (not C) but for those people who are new to Medicare Advantage in particular this is Fantastic information! Thank you so much for telling folks about this!
Excellent Video. This is new to me! I start Medicare next week (May). I had to go with an advantage plan because I just can't stand paying @ $250 for a supplemental + drug plan. And my MOOP is $6,700! Went up from last years $5000. Ugg. However, where I live almost all doctors in the state are under the HMO, and if a specialist is in the HMO, no pre-authorization is required. And in my particular case the drugs I am prescribed (so far) will cost me $0. I would have liked to gone with a gap plan, but just could not rationalize it, in my scenario. Glad to hear there is something there to cover the Plan C co-pays!!!! Thank you!!!
Yes, I would highly recommend the CoPay Protection Plan when going with Advantage to cover the risk of Hospitalization & Cancer. We have a great plan option for that. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
This video is the best Medicare tutorial I've seen! Thank you! I'm turning 67 at the end of the year. I got talked into an Advantage Plan when I signed up for Medicare. I say talked into because I found it all so confusing. I figured the medical establishment is going to get money out of me one or another. So far I've been ok with my Advantage Plan. I'm paying very little out-of-pocket. Part D for prescriptions drives me a little crazy because sometimes I pay $0 and the next month could be $100-$200. None of that makes sense to me. The pharmacy can't explain it either. Fortunately, I have an HSA for which I was smart before I retired and I moved 2/3's of the HSA money into an ETF so the money could grow. It has tripled! I'm going to stick with the Advantage Plan because it isn't giving me heartburn and since I'm not starving, the pay as I go makes sense. I tell people who are still working to stay out of debt, and to save and invest money. That's how you are going to survive all of this.
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
You're welcome! Glad it's helpful. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
We can afford a supplement plan G but it’s the drug plan that is astronomical as a retiree. We were quoted by two brokers 1300.00 just for the drug plan. Yes I understand it’s regarding the current meds tiers. Luckily if this is our only option we have our 401 & 403k to cover this. Unfortunately not many can or have the luxury to do so. Something needs to drastically change to make the drug plans more affordable for all.
ruclips.net/user/shortsl9qCBc_buLs?si=EuDfGfV-to6QkHhg If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www
What state are you in? In California we have Wellcare Value Script which is .40 per month (yes you read correctly, 40 CENTS per month) with a $540 deductable. Depending on what drugs you take, this can be a great plan. All my meds are Tier1 or 2 which means free or nearly free. I have one Tier 4 med "Combivent" for my asthma which is max $2600 per year. I intend to get that from a Canadian pharmacy at about 1/3rd the cost of USA pharmacies. This is what many people are doing. It's sad we have to go through all this nonsense to take care of our health and our wallets. Shame on the U.S. for not having affordable healthcare for all. Single payers is what we should all be pushing for.
@@jazzzman1000 unfortunately 7 of the 9 medications are tier 5 for my wife. Luckily we are under my employer retirement health plan which covers them. We both retired at 55 last year so we have time under my insurance before we need to go onto Medicare and a supplemental drug plan at 65 years of age. Hopefully these medications will be at a lower tier by then or she won’t need them.
You have been so much help to my wife and me. For truly low income seniors woud you discuss "Extra help" from SSI? Thanks. We have A B D and supplemental but we are barely holding on. We will never qualify at age 70 and many health problems. We receive really good care. We also were very lucky to be on traditional Medicare. We have 80. 00 to much income to qualify for "Extra Help".
Medicare Advantage plans are great if you are relatively healthy. I have been in one since I turned 65 and I am currently 80 YO. I go to my eye doctor, internist, and dentist once a year. In my plan my internist is no charge, my eye doctor is a $50.00 co-pay and my dentist gets paid $100.00 towards my annual cleaning and exam. My diabetic supplies and my three prescription meds are free. I also get $200/year in OTC items free. My maximum yearly deductible is around $6,000. So far I haven't had to use my deductible. If you have many health care problems a supplement is probably best
That $6K is your Max out of Pocket, the most you could be billed in a year. We can help people review their Advantage plans to make surevits the right one for their needs. If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
He doesn’t have advantages plans, he is clearly point out that when something serious happens, your “free” plan can cost 6k a year in deductibles. Imagine something serious happens in November and you need on going care till March of next year, you’re out 12k. Deductibles restart. Of course you hear everyone raving about Medicare Advantage, bc it’s easy, now the ones that get shafted by them aren’t going to go online and embarrasse themselves saying that they can’t afford their 6k a year deductible. If you can’t afford A medi gap, not a big deal, you can have advantage, but if you can afford a medigap, and don’t get it, that’s another story
Can it be any more complicated??? All these rules and specifications are clearly NOT written to assist seniors. The system is rigged; it's a freak show, and we all have a front row seat. Thanks for your helping hand in attempting to make sense out of the senseless!
I get referrals all the time from people on Advantage plans who are wanting me to sign up their friends and relatives. Great plans with low copays and low max out of pocket limits.
I love my Supplemental plan E (or F I forget)! Within months of going on Medicare, I was in the hospital for a week and skilled nursing facility with specialist, medical transportation 30 miles one way twice. I never saw a bill but I can imagine how high it was. I never paid one penny for the anything!
NEVER enroll in Medicare with anything other than traditional Medicare with a gap policy. Why? Because just one emergency room admission can cost thousands, and if any part of that admission includes treating physicians or treatments that involve entities who are out of network, you will owe thousands. In addition, you may have limited choices about doctors and treatments, because many providers do not take Advantage plans. With traditional Medicare plans and a proper gap policy, all hospitals and all doctors in every state who treat Medicare patients (about 97% of all US providers) must treat you and accept payment with no further cost to you. One accident, one illness, one diagnosis of cancer, one wreck, all carry thousands of treatment costs. Advantage Plans carry many extra costs, and limited providers. With traditional Medicare and about $100 to $200 a month (depending on your age) for your G level gap policy, you are fully covered any where, any time with no additional cost. Surgery, radiation, ER visits, skilled nursing, nursing homes, PT, OT and more are covered, with no copays. Even if an ER admission is just for a broken finger or sprained ankle, your x-rays and facility fees in an Advantage plan will exceed what you would have paid in a year for the traditional Medicare policy with a standard G level medigap plan. Further, if you start your Medicare years by choosing an Advantage plan, and then you decide to switch to the standard Medicare with a gap plan, you will have to forever pay a penalty. Advantage Plans are not what TV would have you believe. They sound good,and the insurance company makes money from them, but the consumer is the one paying in the long run, when they owe thousands, and are denied a full range of options for treatment. Have a broker explain this to you before you sign up in the very beginning, and no, I am not a broker.
I would love a G or N plan, but I will receive Medicare in 3 months because of Disability and under 65. Only plan A is available here for under 65, it's costly and provides very little. When I turn 65 I will definitely choose Medigap, but in the meantime Advantage is probably my best option.
It is true the that having a medigap plan is the best solution but not everyone can not afford the supplemental premium. I appreciate that you are explaining this and showing the additional option. Some people only have the option of choosing part A and B and a part D with out a supplemental plan or a part C.( Medicare Advantage plan).
I have been helping people with Medicare for 18 years. There is one misconception in your comment. In order to get an MA plan, you have to sign up and pay for Part B. You can go back to original Medicare if you want to. There is no penalty. However if you can’t pass health underwriting, you may not be able to get a supplement.
if you ever worked, you were probably covered by a HMO or PPO, know that you are in a network of doctors, hospitals. before you sign up for ADVANTAGE, you make sure your doctor, your hospital are in the plan, is very simple. one needs to understand, the guys showing these videos are insurance agents who sell MEDICARE SUPPLEMENT plans, they are losing business to ADVANTAGE PLANS, using this to fight back by scaring people. ADVANTAGE PLANS are not for everyone but they provide seniors an option which fit many of us.
This is great information. Just approved for Disability, Medicare back dated, so begins in December this year. Under 65 in Texas, so medigap isn't really available, so talked to Advantage today. This will help me make my decision. Thank you.
@@MedicareSchool Turned 55 the day before I was approved for SSDI. Hoping my body makes it to 65, so I can have that 2nd opportunity. Thank you once again.
These videos are a great service. Thank you! Personally, I am opting for the medigap route, starting in Jan. I count my blessings in having a well funded HSA that I can lean on (sadly, can no longer contribute due to Medicare rules regarding HSAs and the 6 month look back period), but I can invest it, which I will do, and use to pay deductibles for a high deductible G plan. What worries me greatly about the Advantage plans, aside from the out of pocket expenses, is the "medically necessary" clauses in the Evidence of Coverage for these plans, as well as the related authorization requirements. That, plus so many well respected providers are shunning certain Advantage Plan carriers, such as the one that my company offers its retirees. So as attractive as the 0 premium is, I'm not going that route. I so agree with everyone who commented regarding how ridiculously complicated this entire medicare calculus is, and feel for seniors since they are a vulnerable segment of our society who have contributed so much, but are now faced with these burdensome decisions. Thank you so much for making it better for these folks with your informative videos.
Medicare Advantage plans are used by lower-income households due to the zero premiums and they do not have enough assets to make it worthwhile for insurance companies to sue them. Higher-income retirees will select Plan G or Plan N, as they can budget their healthcare costs and transfer risk to the insurance company to preserve their assets.
Topic Suggestion….. needed a biologic solution for psoriatic arthritis. Doctor suggested Humira (self injected pen) My plan D calculations (tier5 drug) came out to the max +/- $7000/yr for my OOP, which I couldn’t afford 😢. After MAJOR researching, I found that Ilumya (brand) is only injected in Dr. Office, which then puts it in mc B paying 80% and my medical plan G pays final 20%, thus -0- cost to me. Big Difference don’t you think! Lesson Learned - research your options. 😊
I am on Humira and will start Medicare fairly soon. I think that the new rules (starting 2025?) will cap plan D at a more manageable $2K a year. Of course, you can't always switch to get covered by B! I briefly switched to infused Stelara (for other reasons) only to find it did not successfully treat my condition.
I have a number of friends that reversed all symptoms of that disease by going on some version of the low carb way of eating. Some just cut down and others had to cut them all out, but they found other issues cleared up as well.
Hi Lobster, I'm on Humira and get assistance from Abbvie but would rather have it administered in the office under plan G. Currently I take an injection every 2 weeks. Do you go to the doctor every 2 weeks?
A bunch of us retired when covid hit, the company offered a good package. I don’t know a single person that has Medicare, we all have advantage plans. Some have procedures done and surgery, but neither one has received a huge bill. I’m healthy and I have an advantage plan too. Medicare and supplement and vision, hearing and dental is very costly on a monthly basis. It’s great of course if you have major health problems.
The retiree Group Advantage plans have a different benefit structure than regular Advantage plans and generally a lower out of pocket. We help retirees compare their Part C plan to the Supplement option.
You did an excellent informative video, thank you! But good grief, we have insurance for our insurance now?As we get older, things should become more simplified, but it's just the opposite. Why can't a special task force come up with a simplified plan for us to insure our health? Learning all the options for Medicare is a daunting undertaking. No wonder some people just take whatever someone tells them to - they can't begin to decipher all the "ands, ifs, and buts of the various Medicare Plans.
If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I read an article whereby these plans are being banned by states because the benefits they provide don't count towards annual deductibles. "So far this year, Maine and Washington state have enacted laws banning health plans from using these programs, which keep patients’ co-pay assistance from counting toward their annual deductible." Health Pokicy Today.
@R MS Yes, plan G is available. Premiums vary depending upon the state you live in. My husband is a cancer patient and has this plan through BCBS. Everything is covered and there are no prior authorizations and no networks. As long as the doctor accepts Medicare, you're good.
You are lucky that Plan G is only $140 per month. In New York metro area, Plan G runs $275 per month. With Medicare part B, Supplemental Plan G and drug Part D, insurance is ~$6000 per year. For a married couple that's $12,000 per year out of the budget. Some of the MOOP costs Marvin listed for Advantage plans sounded pretty good although those numbers may not hold up in my area.
@@440tomcat Plan N is a really good choice. The monthly premium is lower than Plan G, and the coverage is almost as good as Plan G. The only difference is you can have a copay of up to $20 each time you have an office visit to your doctor. If you don’t see your doctor much, that’s not anything to worry about. Also, there is a one time $50 charge if you go to the emergency room, but that is waived if you are admitted to the hospital. Even if you had to pay, it is a nominal charge. Excess charges on Plan N are pretty much non existent, so I wouldn’t worry about that either. Doctors don’t charge them because Medicare severely penalizes doctors if they do not accept the Medicare assigned payment. Besides these three things, the coverage on Plan N is the same as Plan G, and at lower cost to you, assuming you don’t see your doctor many times each month.
The problem with MCA is the MOOP is too high, MOOP should not be more than 3k a year that would solve this in the GAP BS the insurance company use to offset their costs. They want you to pay 25% percent of the cost of your medication for 2 or 3 months until the next phase of your insurance starts all BS to fill the pockets of the insurance companies.
The Insurance company doesn't set the prices of the meds, the pharmaceutical companies do. Your Insurance plan helps you with those costs. For example. if a medication cost is $200. If you pay a CoPay of $10, the insurance company has to cover the rest of that cost. In the year when the total cost, what you you pay, plus what the insurance company helps you cover, gets to a certain amount, you go in the Coverage Gap phase. In the Gap phase, instead of a CoPay, you pay no more than 25% of the cost of that medication.
My dilemma is I like the drs at Kaiser! Knowledgeable doctors who are accepting new patients are hard to find. I'm turning 65 this Nov and need to decide which way to go. I'm leaning towards original Medicare but dread having to find all new doctors....
That would be the decision to make, Either a Kaiser advantage plan..and only use Kaiser providers or Medicare Supplement Insurance with the option to see any Medicare accepting providers. Or a different Advantage plan option. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
It seams that the only ones benefiting from C plans are the over 3000 insurance companies that offer it. And not all doctors even accept advantage plans. Also procedures have to be pre approved which is not a sure thing.
Thank you for another outstanding and clearly understandable breakdown of the Advantage plan scam. I listened to a financial advisor radio show yesterday where they told the story how a new client was trying to decide on their Medicare plan and came to him for advice. While they were considering which way to go the husband learned he had lung cancer. Guess what; the advisor signed them up for a Medicare Advantage plan. Malfesance on the advisors part in my opinion.
Not all Advantage plans are a scam. In my case my Advantage Plan is going to be the same insurance I've had for the last 13 years through my employer. Actually better. But apparently I'm in the right place.
@@Maltojo I hope you are correct, but to be safe, I would carefully check out and compare all the benefit coverages you will get. Sometimes the coverages are not exactly the same as on the plan as when you were employed, even though it is the same insurance company. Also, if this is a retiree plan through your employer, it is very important to find out what happens if your employer decides to drop this coverage in the future. You need to know what your options would be at that point and if you will be satisfied. All the best to you.
@@MaryBethMcCoy Thanks for the excellent advise. You are dead on. I live in Utah and Select Health has a 5 star rating (3 plans). Select Health practically owns Utah so I'm betting it's a rare case. Not many people have that advantage where they live. My parents have supplemental plans (they are both 90 years old) and it is great for them. When they started, there were no Advantage plans, so they did not have that option. I've spent the last 3 or 4 years researching, so I'm comfortable. Still, if the supplement plans were a bit less expensive here, like other states, I would have gone that route!
One thing people don't talk about is how much the gap plans cost when you have serious health issues. My husband has heart problems, high blood pressure, had chemo a couple years ago. His gap plan costs $379 a month. Plus the cost for Part B, plus another $30 a month for a drug plan. That comes to over $6,000 a year. Bottom line: health care is gonna cost you no matter what.
@@nickv4073 It sounds like he didn’t. Some medigap companies will accept applicants after the Open Enrollment window who have health issues that would otherwise be declined, but for a higher than normal monthly premium.
Kaiser Souther California (5 star rating) Advantage: zero premium, $999 max out of pocket. We had $0 copays this year. Benefits improve every year. We appreciate the seamless interaction. If they ever denied us coverage, we would either self-insure (we have the funds) and / or file high level complaints. California is consumer-friendly, or tends to be. We work on our health and have already paid about half a million in premiums (we’re self-employed) subsidizing people who do not work on their health (or who have bad luck).
I am learning so much watching these videos thank you 😊. My question today: do you still need a D plan if you have A, B, and G or N or do G and or N cover med costs?
With Medicare Supplement Insurance, Prescription coverage is with a Standalone Part D plan. If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Unless you have an advantage plan like I do. Most scripts are $1 and most for any covered drug is $100. There are some very very awesome advantage plans available that guys like this Never share with you!! Beware of agents who refuse to sell advantage plans!
Great. Thank you! If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
We offer a Medicare review showing you a comparison of the two options. If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
The SSA is charging me for LEP’s. A few years ago I was tricked into switching from Cigna to United Healthcare. How can I take care of this with my very low monthly income. I was NEVER told that I needed a C plan. For years I was never told that I needed it and now out of the blue? Is there a way to get rid of it
LEP's (Late Enrollment Penalty) is for either Part B of Medicare or Part D (going 63 days without Prescripion coverage). There's 2 ways to get Prescription coverage, as a Standalone Part D or as part of a Mapd (Part C) plan. Since you're low income, have you applied for the Extra Help program? We would need to review your situation a little deeper to help. If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
For those of you that have an Advantage Plan, the Co-payment Protection Plan doesn't pay until you reach your Annual Out of Pocket deductible, which you must pay first. Either way, still can't afford high medical bills!
No, the Co-Pay Protection plan pays you a cash benefit if you are hospitalized overnight for any reason and you can add a lump sum cancer rider. You receive a lump sum cash benefit if you have a diagnosis of cancer. This covers the two big areas of risk in the Advantage plan, hospitalization & Cancer. We have a company that has really great rates and coverage on this, we're happy to show it to you. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Your talking about the hospital, serious issues, chemo, etc..co-pays being so huge but where does the Yearly Out of Pocket Max come in?? If its $2,800. Isn't that where your cost liability ends regardless of the huge copays? Thanks
With Advantage plans, once you reach your Max Out of Pocket for the year, you pay no more, medical & hospital is covered 100%. That MOOP can vary in different areas, and in some areas as high as 10K.
What do you mean that Advantage Plans don't have a premium? My retirement plan offers Advantage Plans and there is a premium for me to pay. I may have misunderstood. Thanks
What there is no mention of MSA in here? Is it because MSA new, too few people are not interested in saving money, or people don't like lump sum medical payment?
I have Blue Shield advantage in Orange County California that is absolutely gold plated. my medical bills were in excess of $30,000 but I paid less than $250. My drug cost were about $13,000 and I paid around $1300. Scan is just as good
Advantage plans in certain counties and certain parts of the country can have significantly lower out of pocket costs throughout the year than in other areas. Yours sounds like an example 9f one of those plans.
@@MedicareSchool yes, you are right. Even our agent was surprised. That said, after watching several of your videos, we may likely enroll my wife in a Medicare supplement plan G - without any underwriting - in case we move & she encounters medical issues. In my case, if we move, I now have to be underwritten to get a supplement plan. My advantage plan - at this great value - is in only two counties. My relatives in Michigan all have Medicare supplement plans as you generally recommend.
Interesting - I'd never heard of co-pay protection plans. Our situation may be unique to our region (Clark County, Nevada). We found two Advantage plans (Aetna & Select Health) which have HMO networks that cover our current providers, prescriptions and have a network that we used while we were working. They both have out of pocket maximums of $1,000 per year. Hopefully, these are available in other parts of the U.S.
It's very unique to your region As that is a very low out of pocket max compared to most Medicare Advantage plans. If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Never say never. Our Medigap premium is higher than advantage plan moop. This happens as we have had a gap plan for 14 years with an average 7% increase. Plus a separate drug plan. I can’t wait to start paying co pays. All area doctors, clinics, Dme providers and our dentist/eye doctor are in network. We stand to save 2000 per year if we hit the moop every year and far more in a normal year.
My wife is paying $54 per month for Supplemental and drug plan total on a High Deductible G plan in Florida.MOOP is $2700, but also saving about $1400 on premiums, so net deductible is about $1300, and it is often a copay rather than true deductible. Not seeing how C plan would be better.
Your total expenditures - deductible= premiums is similar cost to many Advantage Plans MOOP. If you don't use your plan much during the year, an advantage would be cheaper and you get extra benefits. A possible downside is that you need to stay within a network which may or may not be an issue.
@@marklundeen4076 Advantage plans are mostly managed care with limited networks, often no out of state network, no out of country benefits. Medicare is good just about anywhere, is not managed care, has out of country emergency care with most supplemental plans. The yearly savings on an advantage plan are minimal at best and often have higher MOOP. Dental and vision benefits are usually pretty limited. Criteria for many procedures, such as cataracts, are more restricted than with Medicare. Those are all true in Florida anyway(we are both consumers and ex providers). If you are poor, you have no choice. If you have enough to pay an extra few hundred in premiums yearly, you are much better off with true Medicare.
@@marklundeen4076 Why don't you explain to all of us how the 4-5 tier denial process works, and how long each tier takes. Agents should be required to inform everyone how the denial process works .How does the denial process work when cancer is the disease? How does the denial process impact care when someone is waiting treatment for a life threatening illness or disease? Also can you explain how advantage plans use third party companies that use AI programs in the denial process. The court system has already ruled these third party denial companies only has an obligation to their shareholders, and not to a patients or their doctors
Co Pay Insurance - Cancer rider really sounds like the thing to do. But what about those who are on say...Medicare Plans A,B with a supplemental Plan N? Or is Co Pay insurance only for those on Dis-Advantage Plans? Thanks!
Plan N does have the risk of 15% Excess charges. If something major like Cancer happens, that can be high out of pocket costs. Anyone can apply/purchase a CoPay Protection plan, not just people on MA plans. These plans are affordable and you can adjust the benefits to fit your budget. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I have to Say One of The Problem It That A Lot Of People Is There’s A Lot People On RUclips and Tell People To Retire At 62 knowing That They Will Lose 30 % Of Social Security Benefits .Why Don’t They Say instead of 62 . Can They Go 63 , 64, 65
Because too many people just want their Social Security money as soon as they can get it and don’t bother to take the time to understand the ramifications of taking it early. Granted, there are some instances when it makes sense to take it at 62, but oftentimes, people just want the money and don’t want to wait at least to their full retirement age, or even later so they get a higher benefit.
@@MedicareSchool But Most Don’t Understand That Taking It That Early that It Will Cost Them A Whole Bunch Of Money and That’s Why You A Bunch Of Seniors WHO Are Way Under The Poverty Line
If you have any medical bills, and you are on SS, and using other retirement accounts to live on, collections cannot take that money. Do your research, It's all protected, cannot be garnished. Your bank accounts where you put your retirement money in, cannot be touched either. If you have a savings account, and you put in retirement money in that savings account that is also protected. Your credit score will suffer greatly, but bill collectors no matter what they say cannot take away your retirement money in your banking accounts.
On this video at minute marker “6:56” he speaks of a copay while in the hospital of 350-400 a day. My question is which plan is he referring to that your copay would be (350-400) a day while in the hospital?
When you retire and Medicare becomes primary insurance and if you're able to keep the retiree plan. You have the option to keep it as a secondary to the Medicare. I would compare the cost of the Retiree Plan vs. th Plan G/Part D with your medication needs taken into account.
If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
You would want to sign up for A and B, Part C is also known as advantage plans. You can always add an advantage plan with no issues. but those are limited to certain times of the year to sign up!
@@bosstime2010 You have to wonder why so many people can’t afford a supplement plan. I understand that some people are disabled or had catastrophic illness and could not work during much of their life, but for those who have held a steady job throughout their life, did they not ever think it would be important to put away savings for retirement? Apparently, the statistics say that is the case.
@@bosstime2010 Medicare Advantage is leaving older people tens of thousands of dollars in debt! I pay @ $150 a month but I know I’m covered. Medicare Advantage will be phased out in the next few years, it’s nothing but a scam on our elderly.
Depends on if you have Supplement or Advantage. If Supplement, Medicare Part A pays first, then Supplement G for example covers any gaps. If Advantage, then the Advantage company pays as the Primary payer since replaces Medicare as Primary Insurance. The Advantage plan must cover the same Home Healthcare benefit that Original Medicare covers.
If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Thank you. Glad it was helpful! If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
If you enroll in Medicare Advantage, it becomes your Primary Insurance, not Original Medicare. Medicare Advantage plans have to cover the Medicare Part A & B services.
ruclips.net/video/JJYauUj8MWU/видео.htmlsi=sv0I9mEJ9eOfms3F If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I would like information for a cancer plan! My husband and I have never had cancer but we do have Humana Advantage plan! I feel we need extra perfection M
Sure! We would be happy to discuss it with you. Feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
ruclips.net/video/JJYauUj8MWU/видео.htmlsi=-IlOtSobhkezzb-0 If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I'm fifty-nine, I apply for Medicare in January 2023 after being found disabled which I was going to be eligible for in by March 1st. I tried getting own original Medicare weather part g after watching your video and when she applied for it was going to cost me $373 a month for that plan so I really had no choice but to go on a Medicare advantage and I chose Humana. That would be a good video because I don't know if it's age-related or not but like I said I had no choice because of the premium price.
ruclips.net/video/hTwF6ME9oeM/видео.html If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
My team would be happy to assist you with setting up your Medicare coverage correctly. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Less. You can adjust the benefits to fit your budget. If you have any other questions, or need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I pay $20 each for a Hospital Indemnity plan and a separate Cancer Ins. Plan. Over $100/month cheaper than my Medigap Plan I had which went up about $40/month in only 3 years.
I have asked that question so many times. Then you have so many agents push only advantage plans to get higher commissions, and the residual commission that goes on for years. I think one of the reasons it's so complicated is the gov finds so many ways to claw back (money) their obligation they promised us. Most people have worked well over 40 years. If you look in the past you can see so much more was covered. Many people don't realize, as you age your longevity is tied to the quality of your healthcare, and how quickly you get that care. Families need to get involved, visit often to make sure their relatives, gets the best care possible. Medical durable power of attorney should be set up as our relatives and good friends age. Those should be on file at their best local hospitals, and all their doctors offices. I saw quickly what is quality of care and what is not. I avoided certain local hospital due to their subpar care for the elderly. I hate to say this, but some in healthcare don't like old people, actually had one tell me this. I even had one ambulance service question if an ambulance was really needed. My mom's quality of care, and how quickly she got that care allowed her to live to 91 years old. She had several medial events that could have ended her life early, but I had set up in place to catch those immediate medial events, I monitored her health provider's actions, and became her medical advocate when she didn't understand as she could not hear very well. FLMA allowed me to be present in the hospital. I did plenty of 6-10 hours days when it was necessary, which was pretty much the duration of every hospitalization. Hospitals are way to busy to give extra attention to the elderly. Families and friends needs to fill that role. You also must understand how frailty affects the elderly. Frail elderly must avoid unnecessary medial procedures, and surgeries that could end their life quickly.
Yes, ruclips.net/video/JJYauUj8MWU/видео.html If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Look into Advantage plann in your state and county where you live. Fortunately for me I live in Southern California and I have one of the best planns, called Clever Care and I have littel to no Co-pays. That co-pay he is talking about is Zero copay from day one and on in hospital stay . It pays to shop. Good hunting.😁
We help many people find a great Advantage plan option out there. There are ones that are much better than others. They do vary in different areas. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Various companies offer them. We have a recommended carrier with great rates & coverage plus no health questions asked for people approaching 65 for the Hospital benefits. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
MOOP=the maximum out of pocket, or cap, a beneficiary has to pay in a year on certain health plans, like Medicare advantage. TrOOP=true out of pocket, a measurement of beneficiary costs on Medicare Part D drug plans that determines when Catastrophic coverage phases in.
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Many elderly people have retired and get low Social Sec payments.
None of it is affordable!
We need universal health care in America!
Seniors worked their whole life & deserve it.
Sick of the corruption & greed preventing care.
You want to look at the National Health Service in the UK, which is free at the point of service. It is flat broke and doctors and nurses go on strike, and good luck waiting for an ambulance. In addition, there is an 18-month wait for NHS dentists and in some places, there are no NHS dentists available. Medicare like SS is a pay-as-you-go program. While working your taxes paid for the retirees before you and current workers are paying for your benefits. The current workers have received lower pay raises than SS benefits, and their healthcare costs are increasing at rates higher than Medicare increases. Not all seniors worked their entire lives since Part A benefits are zero with just 10 years of work.
You are providing great information to the people. People in this country have no idea what they are getting into when they retire and go on Medicare. Special place for you in Heaven for clearly explaining this.
You're welcome. Thank you for watching.
That's why they change every year to keep you confused and this is what seniors have to deal with
While their giving illegal immigrants millions of dollars in services the disrespect is unreal. Greedy devils
YEAH BUT HE DOESNT TALK PRICE!
I turn 65 in January. To me, the Advantage plan reminds me of my previous employer plan. The MooP is what scares me to death. I had a major ear surgery in June of '22 which involved a neurosurgeon along with my ENT Dr. The neuro wanted me to have a complicated MRI done. It would have cost me 3k out of pocket. I didn't have the MRI done bc I couldn't afford it. Then, after the surgery, I got hit with a $4900 bill, my MooP. Couldn't afford to pay this in one shot either, so now, I'm still making monthly payments on that bill. Because of this, I'm going to go with Supp Plan G. I'm in pretty good health otherwise, on no meds, but you never know. I spoke to Victor the other day from Medicare School and he was very helpful. I have a follow up with him in Oct.
Thank you Marvin, so glad I found you on FB. You're info has been so helpful. I would have been so lost without it.
Glad it's helpful! You're welcome.
Im a newly licensed broker, and I cant begin to tell you how informative your videos are. My sister turned 65 last year and went with a Plan N because she did her homework watching your videos. Thank You.
Thank you for watching!
I was a medicare sales agent for an FMO and they were pushing MAPD plans and supplementals in the beginning. Then they announced that Supps would no longer be offered. Luckily, I had to quit for health reasons. I am glad that I did, because after I began to watch these teachings, I realized the disservice the FMO was doing consumers. They were taking away the consumer's freedom of choice. I want to get back into sales, but don't know where to find a brokerage in my area. Any suggestions would be helpful. I love educating people so that they can make informed decisions.
On Medicare for Seven years now.. moved from Advantage to Supplement Plan with high deductible.. no broker ever referenced or introduced me to this Advantage co-payment protection plan.. and no friend ever discussed it either, which tells me that they are not aware of the plan either.. thumbs up to your initiative 👍👍
If you have any questions, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
The insurance agent puts you in a plann that pays him or her the best commission. I'm an X insurance agent.
I noticed you did not include any pricing for these plan, would it be just as cost effective to have regular Medicare and pay for Medigap instead of coverage for co-pays? It is my understanding that most insurance agents get paid a higher commission for selling the advantage plans and that is most likely why there is so much debt for people on these plans. Your information is Informative but does not tell the whole story.
@richardburden4384 Medicare advantage plans in So. California seems to be most cost-effective. The plan that I have there are vertically no co-pays. And all medications cost me zero.
Never heard a a co-pay protection plan!
This is new information to me! I just went on Medicare a few months ago and am completely happy with my plan (not C) but for those people who are new to Medicare Advantage in particular this is Fantastic information! Thank you so much for telling folks about this!
You're welcome! Thank you for the feedback.
Excellent Video. This is new to me! I start Medicare next week (May). I had to go with an advantage plan because I just can't stand paying @ $250 for a supplemental + drug plan. And my MOOP is $6,700! Went up from last years $5000. Ugg. However, where I live almost all doctors in the state are under the HMO, and if a specialist is in the HMO, no pre-authorization is required. And in my particular case the drugs I am prescribed (so far) will cost me $0.
I would have liked to gone with a gap plan, but just could not rationalize it, in my scenario. Glad to hear there is something there to cover the Plan C co-pays!!!! Thank you!!!
Yes, I would highly recommend the CoPay Protection Plan when going with Advantage to cover the risk of Hospitalization & Cancer. We have a great plan option for that. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
This video is the best Medicare tutorial I've seen! Thank you! I'm turning 67 at the end of the year. I got talked into an Advantage Plan when I signed up for Medicare. I say talked into because I found it all so confusing. I figured the medical establishment is going to get money out of me one or another. So far I've been ok with my Advantage Plan. I'm paying very little out-of-pocket. Part D for prescriptions drives me a little crazy because sometimes I pay $0 and the next month could be $100-$200. None of that makes sense to me. The pharmacy can't explain it either. Fortunately, I have an HSA for which I was smart before I retired and I moved 2/3's of the HSA money into an ETF so the money could grow. It has tripled! I'm going to stick with the Advantage Plan because it isn't giving me heartburn and since I'm not starving, the pay as I go makes sense. I tell people who are still working to stay out of debt, and to save and invest money. That's how you are going to survive all of this.
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
You are the best resource on YT for Medicare and Advantage plans. I appreciate it.
You're welcome! Glad it's helpful. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
We can afford a supplement plan G but it’s the drug plan that is astronomical as a retiree. We were quoted by two brokers 1300.00 just for the drug plan. Yes I understand it’s regarding the current meds tiers. Luckily if this is our only option we have our 401 & 403k to cover this. Unfortunately not many can or have the luxury to do so. Something needs to drastically change to make the drug plans more affordable for all.
ruclips.net/user/shortsl9qCBc_buLs?si=EuDfGfV-to6QkHhg
If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
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What state are you in? In California we have Wellcare Value Script which is .40 per month (yes you read correctly, 40 CENTS per month) with a $540 deductable. Depending on what drugs you take, this can be a great plan. All my meds are Tier1 or 2 which means free or nearly free. I have one Tier 4 med "Combivent" for my asthma which is max $2600 per year. I intend to get that from a Canadian pharmacy at about 1/3rd the cost of USA pharmacies. This is what many people are doing. It's sad we have to go through all this nonsense to take care of our health and our wallets. Shame on the U.S. for not having affordable healthcare for all. Single payers is what we should all be pushing for.
@@jazzzman1000 unfortunately 7 of the 9 medications are tier 5 for my wife. Luckily we are under my employer retirement health plan which covers them. We both retired at 55 last year so we have time under my insurance before we need to go onto Medicare and a supplemental drug plan at 65 years of age. Hopefully these medications will be at a lower tier by then or she won’t need them.
You have been so much help to my wife and me. For truly low income seniors woud you discuss "Extra help" from SSI? Thanks. We have A B D and supplemental but we are barely holding on. We will never qualify at age 70 and many health problems. We receive really good care. We also were very lucky to be on traditional Medicare. We have 80. 00 to much income to qualify for "Extra Help".
Thank you for the suggestion and for watching.
Medicare Advantage plans are great if you are relatively healthy. I have been in one since I turned 65 and I am currently 80 YO. I go to my eye doctor, internist, and dentist once a year. In my plan my internist is no charge, my eye doctor is a $50.00 co-pay and my dentist gets paid $100.00 towards my annual cleaning and exam.
My diabetic supplies and my three prescription meds are free. I also get $200/year in OTC items free. My maximum yearly deductible is around $6,000. So far I haven't had to use my deductible. If you have many health care problems a supplement is probably best
That $6K is your Max out of Pocket, the most you could be billed in a year. We can help people review their Advantage plans to make surevits the right one for their needs.
If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Never listen to anyone that hates advantage plans as much as this guy!
He doesn’t have advantages plans, he is clearly point out that when something serious happens, your “free” plan can cost 6k a year in deductibles. Imagine something serious happens in November and you need on going care till March of next year, you’re out 12k. Deductibles restart. Of course you hear everyone raving about Medicare Advantage, bc it’s easy, now the ones that get shafted by them aren’t going to go online and embarrasse themselves saying that they can’t afford their 6k a year deductible. If you can’t afford A medi gap, not a big deal, you can have advantage, but if you can afford a medigap, and don’t get it, that’s another story
Can it be any more complicated??? All these rules and specifications are clearly NOT written to assist seniors. The system is rigged; it's a freak show, and we all have a front row seat. Thanks for your helping hand in attempting to make sense out of the senseless!
Thanks for the information. The more I listen, the more I understand how this work.
You're welcome. Glad to hear that.
Thank you for this information. I have not heard the financial breakdown like this before.
This opens my eyes. Govt health is not good for retirees. They charge more than most of us can afford.
Maybe like me...I'm moving to another country where medical is great and so much cheaper. You can always get an International plan. Still much cheaper
I get referrals all the time from people on Advantage plans who are wanting me to sign up their friends and relatives. Great plans with low copays and low max out of pocket limits.
Thank you for the input.
@@paulbruner1061Interesting. Which country?
Think they just sent Ukraine $200 billion dollars instead of helping the elderly here that couldn’t afford there bill
Thank God for this man as these videos helped me make the right decision. Thank you Sir 🙏🏻🙏🏻🙏🏻
You're welcome, thank you for watching!
I love my Supplemental plan E (or F I forget)! Within months of going on Medicare, I was in the hospital for a week and skilled nursing facility with specialist, medical transportation 30 miles one way twice. I never saw a bill but I can imagine how high it was. I never paid one penny for the anything!
Thanks for sharing.
I have this extra coverage with my Adv PPO plan. Peace of mind.
You are the best at explaining these things.
Thank you
NEVER enroll in Medicare with anything other than traditional Medicare with a gap policy. Why? Because just one emergency room admission can cost thousands, and if any part of that admission includes treating physicians or treatments that involve entities who are out of network, you will owe thousands. In addition, you may have limited choices about doctors and treatments, because many providers do not take Advantage plans. With traditional Medicare plans and a proper gap policy, all hospitals and all doctors in every state who treat Medicare patients (about 97% of all US providers) must treat you and accept payment with no further cost to you. One accident, one illness, one diagnosis of cancer, one wreck, all carry thousands of treatment costs. Advantage Plans carry many extra costs, and limited providers. With traditional Medicare and about $100 to $200 a month (depending on your age) for your G level gap policy, you are fully covered any where, any time with no additional cost. Surgery, radiation, ER visits, skilled nursing, nursing homes, PT, OT and more are covered, with no copays. Even if an ER admission is just for a broken finger or sprained ankle, your x-rays and facility fees in an Advantage plan will exceed what you would have paid in a year for the traditional Medicare policy with a standard G level medigap plan. Further, if you start your Medicare years by choosing an Advantage plan, and then you decide to switch to the standard Medicare with a gap plan, you will have to forever pay a penalty. Advantage Plans are not what TV would have you believe. They sound good,and the insurance company makes money from them, but the consumer is the one paying in the long run, when they owe thousands, and are denied a full range of options for treatment. Have a broker explain this to you before you sign up in the very beginning, and no, I am not a broker.
Thanks for the comment and for sharing.
I would love a G or N plan, but I will receive Medicare in 3 months because of Disability and under 65. Only plan A is available here for under 65, it's costly and provides very little. When I turn 65 I will definitely choose Medigap, but in the meantime Advantage is probably my best option.
It is true the that having a medigap plan is the best solution but not everyone can not afford the supplemental premium. I appreciate that you are explaining this and showing the additional option. Some people only have the option of choosing part A and B and a part D with out a supplemental plan or a part C.( Medicare Advantage plan).
I have been helping people with Medicare for 18 years. There is one misconception in your comment. In order to get an MA plan, you have to sign up and pay for Part B. You can go back to original Medicare if you want to. There is no penalty. However if you can’t pass health underwriting, you may not be able to get a supplement.
if you ever worked, you were probably covered by a HMO or PPO, know that you are in a network of doctors, hospitals. before you sign up for ADVANTAGE, you make sure your doctor, your hospital are in the plan, is very simple. one needs to understand, the guys showing these videos are insurance agents who sell MEDICARE SUPPLEMENT plans, they are losing business to ADVANTAGE PLANS, using this to fight back by scaring people. ADVANTAGE PLANS are not for everyone but they provide seniors an option which fit many of us.
This is great information. Just approved for Disability, Medicare back dated, so begins in December this year. Under 65 in Texas, so medigap isn't really available, so talked to Advantage today. This will help me make my decision. Thank you.
You're welcome. ruclips.net/video/hTwF6ME9oeM/видео.htmlsi=iYNSKClm0Gm8RYbT
@@MedicareSchool Turned 55 the day before I was approved for SSDI. Hoping my body makes it to 65, so I can have that 2nd opportunity. Thank you once again.
These videos are a great service. Thank you! Personally, I am opting for the medigap route, starting in Jan. I count my blessings in having a well funded HSA that I can lean on (sadly, can no longer contribute due to Medicare rules regarding HSAs and the 6 month look back period), but I can invest it, which I will do, and use to pay deductibles for a high deductible G plan. What worries me greatly about the Advantage plans, aside from the out of pocket expenses, is the "medically necessary" clauses in the Evidence of Coverage for these plans, as well as the related authorization requirements. That, plus so many well respected providers are shunning certain Advantage Plan carriers, such as the one that my company offers its retirees. So as attractive as the 0 premium is, I'm not going that route. I so agree with everyone who commented regarding how ridiculously complicated this entire medicare calculus is, and feel for seniors since they are a vulnerable segment of our society who have contributed so much, but are now faced with these burdensome decisions. Thank you so much for making it better for these folks with your informative videos.
Thank you for watching.
Clear and valuable information to know and learn regarding Medicare 👍
Thank you for the feedback!
This is a GREAT video and excellent way to explain these plans! - CW
Thanks so much for watching and your input!
Medicare Advantage plans are used by lower-income households due to the zero premiums and they do not have enough assets to make it worthwhile for insurance companies to sue them. Higher-income retirees will select Plan G or Plan N, as they can budget their healthcare costs and transfer risk to the insurance company to preserve their assets.
Outstanding .... as usual !!
Thank you for your feedback!
Topic Suggestion….. needed a biologic solution for psoriatic arthritis. Doctor suggested Humira (self injected pen) My plan D calculations (tier5 drug) came out to the max +/- $7000/yr for my OOP, which I couldn’t afford 😢. After MAJOR researching, I found that Ilumya (brand) is only injected in Dr. Office, which then puts it in mc B paying 80% and my medical plan G pays final 20%, thus -0- cost to me. Big Difference don’t you think! Lesson Learned - research your options. 😊
I am on Humira and will start Medicare fairly soon. I think that the new rules (starting 2025?) will cap plan D at a more manageable $2K a year. Of course, you can't always switch to get covered by B! I briefly switched to infused Stelara (for other reasons) only to find it did not successfully treat my condition.
Thank you for the insight.
I have a number of friends that reversed all symptoms of that disease by going on some version of the low carb way of eating. Some just cut down and others had to cut them all out, but they found other issues cleared up as well.
Hi Lobster, I'm on Humira and get assistance from Abbvie but would rather have it administered in the office under plan G. Currently I take an injection every 2 weeks. Do you go to the doctor every 2 weeks?
Thank you for this very eye opening detailed explanation.
Glad it was helpful!
A bunch of us retired when covid hit, the company offered a good package. I don’t know a single person that has Medicare, we all have advantage plans. Some have procedures done and surgery, but neither one has received a huge bill. I’m healthy and I have an advantage plan too. Medicare and supplement and vision, hearing and dental is very costly on a monthly basis. It’s great of course if you have major health problems.
The retiree Group Advantage plans have a different benefit structure than regular Advantage plans and generally a lower out of pocket. We help retirees compare their Part C plan to the Supplement option.
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890
Thank you for the feedback.
Very informative and still worked if retiring in 2 more yrs
*working not worked
All good information for sickbay commandos
You did an excellent informative video, thank you! But good grief, we have insurance for our insurance now?As we get older, things should become more simplified, but it's just the opposite. Why can't a special task force come up with a simplified plan for us to insure our health? Learning all the options for Medicare is a daunting undertaking. No wonder some people just take whatever someone tells them to - they can't begin to decipher all the "ands, ifs, and buts of the various Medicare Plans.
If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I read an article whereby these plans are being banned by states because the benefits they provide don't count towards annual deductibles. "So far this year, Maine and Washington state have enacted laws banning health plans from using these programs, which keep patients’ co-pay assistance from counting toward their annual deductible." Health Pokicy Today.
A-only is also an option. The option I am choosing.
Thank you for sharing your knowledge with us.
You're welcome, thank you for watching.
Plan G Is the way 2 go about 140 dollars a month in state Maryland. Part D is 30 dollars a. Month
@R MS Yes, plan G is available. Premiums vary depending upon the state you live in. My husband is a cancer patient and has this plan through BCBS. Everything is covered and there are no prior authorizations and no networks. As long as the doctor accepts Medicare, you're good.
You are lucky that Plan G is only $140 per month. In New York metro area, Plan G runs $275 per month. With Medicare part B, Supplemental Plan G and drug Part D, insurance is ~$6000 per year. For a married couple that's $12,000 per year out of the budget. Some of the MOOP costs Marvin listed for Advantage plans sounded pretty good although those numbers may not hold up in my area.
High Deductible G is best.
@R MS
Yes. Stop listening to rumors.
Plan F is phased out
Plan G and Plan N are both available.
@@440tomcat Plan N is a really good choice. The monthly premium is lower than Plan G, and the coverage is almost as good as Plan G. The only difference is you can have a copay of up to $20 each time you have an office visit to your doctor. If you don’t see your doctor much, that’s not anything to worry about. Also, there is a one time $50 charge if you go to the emergency room, but that is waived if you are admitted to the hospital. Even if you had to pay, it is a nominal charge. Excess charges on Plan N are pretty much non existent, so I wouldn’t worry about that either. Doctors don’t charge them because Medicare severely penalizes doctors if they do not accept the Medicare assigned payment. Besides these three things, the coverage on Plan N is the same as Plan G, and at lower cost to you, assuming you don’t see your doctor many times each month.
Thank for the very important information, I really appreciate it.
Glad it was helpful!
The problem with MCA is the MOOP is too high, MOOP should not be more than 3k a year that would solve this in the GAP BS the insurance company use to offset their costs. They want you to pay 25% percent of the cost of your medication for 2 or 3 months until the next phase of your insurance starts all BS to fill the pockets of the insurance companies.
The Insurance company doesn't set the prices of the meds, the pharmaceutical companies do. Your Insurance plan helps you with those costs. For example. if a medication cost is $200. If you pay a CoPay of $10, the insurance company has to cover the rest of that cost. In the year when the total cost, what you you pay, plus what the insurance company helps you cover, gets to a certain amount, you go in the Coverage Gap phase. In the Gap phase, instead of a CoPay, you pay no more than 25% of the cost of that medication.
My dilemma is I like the drs at Kaiser! Knowledgeable doctors who are accepting new patients are hard to find. I'm turning 65 this Nov and need to decide which way to go. I'm leaning towards original Medicare but dread having to find all new doctors....
That would be the decision to make, Either a Kaiser advantage plan..and only use Kaiser providers or Medicare Supplement Insurance with the option to see any Medicare accepting providers. Or a different Advantage plan option.
If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
It seams that the only ones benefiting from C plans are the over 3000 insurance companies that offer it. And not all doctors even accept advantage plans. Also procedures have to be pre approved which is not a sure thing.
My team would be happy to assist you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Thank you for another outstanding and clearly understandable breakdown of the Advantage plan scam. I listened to a financial advisor radio show yesterday where they told the story how a new client was trying to decide on their Medicare plan and came to him for advice. While they were considering which way to go the husband learned he had lung cancer. Guess what; the advisor signed them up for a Medicare Advantage plan. Malfesance on the advisors part in my opinion.
Thats horrible.
Not all Advantage plans are a scam. In my case my Advantage Plan is going to be the same insurance I've had for the last 13 years through my employer. Actually better. But apparently I'm in the right place.
@@Maltojo I hope you are correct, but to be safe, I would carefully check out and compare all the benefit coverages you will get. Sometimes the coverages are not exactly the same as on the plan as when you were employed, even though it is the same insurance company. Also, if this is a retiree plan through your employer, it is very important to find out what happens if your employer decides to drop this coverage in the future. You need to know what your options would be at that point and if you will be satisfied. All the best to you.
@@MaryBethMcCoy Thanks for the excellent advise. You are dead on. I live in Utah and Select Health has a 5 star rating (3 plans). Select Health practically owns Utah so I'm betting it's a rare case. Not many people have that advantage where they live. My parents have supplemental plans (they are both 90 years old) and it is great for them. When they started, there were no Advantage plans, so they did not have that option. I've spent the last 3 or 4 years researching, so I'm comfortable. Still, if the supplement plans were a bit less expensive here, like other states, I would have gone that route!
@@Maltojo Sounds like you have a great plan!
Thank you for talking fast. I'm impatient
You’re welcome 😊
Outstanding video!!! Such important information!!!
Glad it was helpful!
Good presentation. Thanks for the info.
Thanks for watching!
Learning so much from you. Thank you.
Glad to hear it!
In emergency rooms for a couple hours? 😂 Try 12+ hours sitting in the lobby of ER as an outpatient.
Thank you for the feedback!
Very nice analysis and presentation. Thanks
Glad you liked it!
One thing people don't talk about is how much the gap plans cost when you have serious health issues. My husband
has heart problems, high blood pressure, had chemo a couple years ago. His gap plan costs $379 a month. Plus the cost
for Part B, plus another $30 a month for a drug plan. That comes to over $6,000 a year. Bottom line: health care is gonna
cost you no matter what.
How old is he and did he sign up during the 6 month no medical questions window?
@@nickv4073 It sounds like he didn’t. Some medigap companies will accept applicants after the Open Enrollment window who have health issues that would otherwise be declined, but for a higher than normal monthly premium.
@@barreloffun10 It could also be that the guy is in his 80's in which case that premium would be normal.
Thank you for the feedback.
Kaiser Souther California (5 star rating) Advantage: zero premium, $999 max out of pocket. We had $0 copays this year. Benefits improve every year. We appreciate the seamless interaction. If they ever denied us coverage, we would either self-insure (we have the funds) and / or file high level complaints. California is consumer-friendly, or tends to be. We work on our health and have already paid about half a million in premiums (we’re self-employed) subsidizing people who do not work on their health (or who have bad luck).
I am learning so much watching these videos thank you 😊. My question today: do you still need a D plan if you have A, B, and G or N or do G and or N cover med costs?
With Medicare Supplement Insurance, Prescription coverage is with a Standalone Part D plan.
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Unless you have an advantage plan like I do. Most scripts are $1 and most for any covered drug is $100. There are some very very awesome advantage plans available that guys like this Never share with you!! Beware of agents who refuse to sell advantage plans!
Excellent info. Thanks.
Great. Thank you! If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
So what would be the cost of co-pay plans to cover everything a medsupp G plan would cover vs just getting a plan G?
We offer a Medicare review showing you a comparison of the two options.
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
The SSA is charging me for LEP’s. A few years ago I was tricked into switching from Cigna to United Healthcare. How can I take care of this with my very low monthly income. I was NEVER told that I needed a C plan. For years I was never told that I needed it and now out of the blue? Is there a way to get rid of it
LEP's (Late Enrollment Penalty) is for either Part B of Medicare or Part D (going 63 days without Prescripion coverage). There's 2 ways to get Prescription coverage, as a Standalone Part D or as part of a Mapd (Part C) plan. Since you're low income, have you applied for the Extra Help program? We would need to review your situation a little deeper to help. If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
For those of you that have an Advantage Plan, the Co-payment Protection Plan doesn't pay until you reach your Annual Out of Pocket deductible, which you must pay first. Either way, still can't afford high medical bills!
No, the Co-Pay Protection plan pays you a cash benefit if you are hospitalized overnight for any reason and you can add a lump sum cancer rider. You receive a lump sum cash benefit if you have a diagnosis of cancer. This covers the two big areas of risk in the Advantage plan, hospitalization & Cancer. We have a company that has really great rates and coverage on this, we're happy to show it to you.
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I'm fifty and I'm still watching these videos. lol
Your talking about the hospital, serious issues, chemo, etc..co-pays being so huge but where does the Yearly Out of Pocket Max come in?? If its $2,800. Isn't that where your cost liability ends regardless of the huge copays? Thanks
With Advantage plans, once you reach your Max Out of Pocket for the year, you pay no more, medical & hospital is covered 100%. That MOOP can vary in different areas, and in some areas as high as 10K.
What do you mean that Advantage Plans don't have a premium? My retirement plan offers Advantage Plans and there is a premium for me to pay. I may have misunderstood. Thanks
Most Medicare provided advantage plan don't have a monthly premium.
What there is no mention of MSA in here? Is it because MSA new, too few people are not interested in saving money, or people don't like lump sum medical payment?
Thanks for the input.
The MD Kaiser Permanente plan I have has a $7200 out of pocket max. Most plans I have seen have an out of pocket max of more than $3 - $5k.
Thanks for sharing.
I have Blue Shield advantage in Orange County California that is absolutely gold plated. my medical bills were in excess of $30,000 but I paid less than $250. My drug cost were about $13,000 and I paid around $1300.
Scan is just as good
Advantage plans in certain counties and certain parts of the country can have significantly lower out of pocket costs throughout the year than in other areas. Yours sounds like an example 9f one of those plans.
@@MedicareSchool yes, you are right. Even our agent was surprised. That said, after watching several of your videos, we may likely enroll my wife in a Medicare supplement plan G - without any underwriting - in case we move & she encounters medical issues. In my case, if we move, I now have to be underwritten to get a supplement plan. My advantage plan - at this great value - is in only two counties. My relatives in Michigan all have Medicare supplement plans as you generally recommend.
What a sham. The rip off of the elderly. Milking every cent out of them till they die.
Interesting - I'd never heard of co-pay protection plans. Our situation may be unique to our region (Clark County, Nevada). We found two Advantage plans (Aetna & Select Health) which have HMO networks that cover our current providers, prescriptions and have a network that we used while we were working. They both have out of pocket maximums of $1,000 per year. Hopefully, these are available in other parts of the U.S.
It's very unique to your region As that is a very low out of pocket max compared to most Medicare Advantage plans. If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Never say never. Our Medigap premium is higher than advantage plan moop. This happens as we have had a gap plan for 14 years with an average 7% increase. Plus a separate drug plan. I can’t wait to start paying co pays. All area doctors, clinics, Dme providers and our dentist/eye doctor are in network. We stand to save 2000 per year if we hit the moop every year and far more in a normal year.
Great videos. Very helpful
Thank you for watching!
My wife is paying $54 per month for Supplemental and drug plan total on a High Deductible G plan in Florida.MOOP is $2700, but also saving about $1400 on premiums, so net deductible is about $1300, and it is often a copay rather than true deductible.
Not seeing how C plan would be better.
Your total expenditures - deductible= premiums is similar cost to many Advantage Plans MOOP. If you don't use your plan much during the year, an advantage would be cheaper and you get extra benefits. A possible downside is that you need to stay within a network which may or may not be an issue.
@@marklundeen4076 Advantage plans are mostly managed care with limited networks, often no out of state network, no out of country benefits. Medicare is good just about anywhere, is not managed care, has out of country emergency care with most supplemental plans. The yearly savings on an advantage plan are minimal at best and often have higher MOOP. Dental and vision benefits are usually pretty limited. Criteria for many procedures, such as cataracts, are more restricted than with Medicare. Those are all true in Florida anyway(we are both consumers and ex providers).
If you are poor, you have no choice. If you have enough to pay an extra few hundred in premiums yearly, you are much better off with true Medicare.
Thank you for the insight.
@@marklundeen4076 Why don't you explain to all of us how the 4-5 tier denial process works, and how long each tier takes. Agents should be required to inform everyone how the denial process works .How does the denial process work when cancer is the disease? How does the denial process impact care when someone is waiting treatment for a life threatening illness or disease?
Also can you explain how advantage plans use third party companies that use AI programs in the denial process. The court system has already ruled these third party denial companies only has an obligation to their shareholders, and not to a patients or their doctors
Co Pay Insurance - Cancer rider really sounds like the thing to do. But what about those who are on say...Medicare Plans A,B with a supplemental Plan N? Or is Co Pay insurance only for those on Dis-Advantage Plans? Thanks!
Plan N does have the risk of 15% Excess charges. If something major like Cancer happens, that can be high out of pocket costs. Anyone can apply/purchase a CoPay Protection plan, not just people on MA plans. These plans are affordable and you can adjust the benefits to fit your budget. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I have to Say One of The Problem It That A Lot Of People Is There’s A Lot People On RUclips and Tell People To Retire At 62 knowing That They Will Lose 30 % Of Social Security Benefits .Why Don’t They Say instead of 62 . Can They Go 63 , 64, 65
Because too many people just want their Social Security money as soon as they can get it and don’t bother to take the time to understand the ramifications of taking it early. Granted, there are some instances when it makes sense to take it at 62, but oftentimes, people just want the money and don’t want to wait at least to their full retirement age, or even later so they get a higher benefit.
Many people just want to take the money now and don't mind the sacrifice of having less benefit per month.
@@MedicareSchool But Most Don’t Understand That Taking It That Early that It Will Cost Them A Whole Bunch Of Money and That’s Why You A Bunch Of Seniors WHO Are Way Under The Poverty Line
If you have any medical bills, and you are on SS, and using other retirement accounts to live on, collections cannot take that money. Do your research, It's all protected, cannot be garnished. Your bank accounts where you put your retirement money in, cannot be touched either. If you have a savings account, and you put in retirement money in that savings account that is also protected. Your credit score will suffer greatly, but bill collectors no matter what they say cannot take away your retirement money in your banking accounts.
High Deductible Plan G is a much better choice than an Advantage Plan for those that can only afford low premiums.
Excellent presentation as usual. Can you cite where you got your statistics about medical debt and Medicare Advantage plan enrollees? Thank you.
Here is a source from the National library of medicine. www.ncbi.nlm.nih.gov/pmc/articles/PMC9482049/
On this video at minute marker “6:56” he speaks of a copay while in the hospital of 350-400 a day.
My question is which plan is he referring to that your copay would be (350-400) a day while in the hospital?
Medicare advantage plans, which cam be zero premium But have a co pay structure you follow.
Can you use the employer insurance as a supplement plan G when you register for A and B?
Thanks.
When you retire and Medicare becomes primary insurance and if you're able to keep the retiree plan. You have the option to keep it as a secondary to the Medicare. I would compare the cost of the Retiree Plan vs. th Plan G/Part D with your medication needs taken into account.
If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Or hospitals that double charge (Insurance fraud) .
It certainly does occur. Thank you for the insight.
This is good to know
when i sign up with Medicare do i have to sign up with b or c then can i ad advantage care years later
You would want to sign up for A and B, Part C is also known as advantage plans. You can always add an advantage plan with no issues. but those are limited to certain times of the year to sign up!
How about not selling Medicare Advantage?
Obviously we’re putting elderly people in a financial disadvantage when they need it.
Because it’s a zero cost monthly. A lot of people can’t afford a supplemental plan.
@@bosstime2010 Zero cost monthy? Yeah but what happens when you actually get sick??? MA is a S-C-A-M. Run from it.
@@bosstime2010 You have to wonder why so many people can’t afford a supplement plan. I understand that some people are disabled or had catastrophic illness and could not work during much of their life, but for those who have held a steady job throughout their life, did they not ever think it would be important to put away savings for retirement? Apparently, the statistics say that is the case.
@@bosstime2010 Medicare Advantage is leaving older people tens of thousands of dollars in debt!
I pay @ $150 a month but I know I’m covered.
Medicare Advantage will be phased out in the next few years, it’s nothing but a scam on our elderly.
Thank you for the input.
Great 👍
How do the plans pay towards home health services?
Depends on if you have Supplement or Advantage. If Supplement, Medicare Part A pays first, then Supplement G for example covers any gaps. If Advantage, then the Advantage company pays as the Primary payer since replaces Medicare as Primary Insurance. The Advantage plan must cover the same Home Healthcare benefit that Original Medicare covers.
If you have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
CA Scan plan...best one
Thank you for the input.
🌟🤗✅ Great information and explanations.
Thank you. Glad it was helpful! If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Premera blue cross classic advantage HMO deductible $5000.00 per yr.
If you live in New York State, can the insurance companies require a health questionair for the Co-Pay protection plan?
They may since those are separate plans.
Does part A coverage stay the same regardless of whether you keep Original Medicare, or choose an Advantage plan?
If you enroll in Medicare Advantage, it becomes your Primary Insurance, not Original Medicare. Medicare Advantage plans have to cover the Medicare Part A & B services.
Which government health agency can be contacted when the insurance company unreasonably delays in paying a medical reimbursement claim?
You can contact CMS(Centers for Medicare and Medicaid Services).
What if they could go to the VA hospital as an option?
ruclips.net/video/JJYauUj8MWU/видео.htmlsi=sv0I9mEJ9eOfms3F
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I would like information for a cancer plan! My husband and I have never had cancer but we do have Humana Advantage plan! I feel we need extra perfection M
Sure! We would be happy to discuss it with you. Feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I have a question...I also have TriCare. Will the basic A+B work or should I get the Advatage plan?
ruclips.net/video/JJYauUj8MWU/видео.htmlsi=-IlOtSobhkezzb-0
If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
If we don't pay for advance plan where the 164.90 go?
If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I'm fifty-nine, I apply for Medicare in January 2023 after being found disabled which I was going to be eligible for in by March 1st. I tried getting own original Medicare weather part g after watching your video and when she applied for it was going to cost me $373 a month for that plan so I really had no choice but to go on a Medicare advantage and I chose Humana. That would be a good video because I don't know if it's age-related or not but like I said I had no choice because of the premium price.
ruclips.net/video/hTwF6ME9oeM/видео.html
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Indiana here, had no choice on disability but to use Advantage plan for ten years. The minute I hit 65, I went on traditional Medicare!
I have been on medicare part b for 2 years now. When l signed up for my part b, l was never offered this
Why
The part c plan
My team would be happy to assist you with setting up your Medicare coverage correctly. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I always thought Medicare was free since it was for an older crowd. What’s the point of Medicare compared to regular health insurance?
ruclips.net/video/vO0RJcbZNeA/видео.htmlsi=9_pfuwFEy-TIwu2G
How much do the co pay protection plan premiums cost vs regular Medicare supplement plan premiums? The same? More? Less?
Less. You can adjust the benefits to fit your budget. If you have any other questions, or need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I pay $20 each for a Hospital Indemnity plan and a separate Cancer Ins. Plan. Over $100/month cheaper than my Medigap Plan I had which went up about $40/month in only 3 years.
Why is this so complicated? Many retirees don’t have a clue how to elect a plan, i wish it could be simple to explain🤦♀️
My team would be happy to assist you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I have asked that question so many times. Then you have so many agents push only advantage plans to get higher commissions, and the residual commission that goes on for years. I think one of the reasons it's so complicated is the gov finds so many ways to claw back (money) their obligation they promised us. Most people have worked well over 40 years. If you look in the past you can see so much more was covered.
Many people don't realize, as you age your longevity is tied to the quality of your healthcare, and how quickly you get that care. Families need to get involved, visit often to make sure their relatives, gets the best care possible. Medical durable power of attorney should be set up as our relatives and good friends age. Those should be on file at their best local hospitals, and all their doctors offices. I saw quickly what is quality of care and what is not. I avoided certain local hospital due to their subpar care for the elderly. I hate to say this, but some in healthcare don't like old people, actually had one tell me this. I even had one ambulance service question if an ambulance was really needed.
My mom's quality of care, and how quickly she got that care allowed her to live to 91 years old. She had several medial events that could have ended her life early, but I had set up in place to catch those immediate medial events, I monitored her health provider's actions, and became her medical advocate when she didn't understand as she could not hear very well. FLMA allowed me to be present in the hospital. I did plenty of 6-10 hours days when it was necessary, which was pretty much the duration of every hospitalization. Hospitals are way to busy to give extra attention to the elderly. Families and friends needs to fill that role. You also must understand how frailty affects the elderly. Frail elderly must avoid unnecessary medial procedures, and surgeries that could end their life quickly.
Do you have a video that covers Tricare eligibe retirees?
Yes, ruclips.net/video/JJYauUj8MWU/видео.html
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Sir in advance plan you have 0 primer, so we can take 164.90 to pay for those deductible can we do that?
If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Look into Advantage plann in your state and county where you live. Fortunately for me I live in Southern California and I have one of the best planns, called Clever Care and I have littel to no Co-pays. That co-pay he is talking about is Zero copay from day one and on in hospital stay . It pays to shop. Good hunting.😁
We help many people find a great Advantage plan option out there. There are ones that are much better than others. They do vary in different areas.
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Im months away from medicare but never heard of co pay protection plan. What company's offer them?
Various companies offer them. We have a recommended carrier with great rates & coverage plus no health questions asked for people approaching 65 for the Hospital benefits.
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Difference between moop and troop?
MOOP=the maximum out of pocket, or cap, a beneficiary has to pay in a year on certain health plans, like Medicare advantage. TrOOP=true out of pocket, a measurement of beneficiary costs on Medicare Part D drug plans that determines when Catastrophic coverage phases in.
While MOOP applies to Original Medicare-covered services with Medicare Advantage Plans, TrOOP applies to prescription drug coverage.
Fabulous info!
Thank you!
Thank you!