Matthew Claassen videos are amazing! He is informative, honest and very friendly. He helped me to enroll in a Supplement Plan that is the best for me and saved me a lot of money. I highly recommend Medigap Seminars. Thank you, Matthew Claassen
I live in CT and I am in reasonably good health. So I am taking an advantage plan until I get sick. If I get really sick, I will inmediately switch to a G high deductible plan. ANY OBJECTIONS?
This video is on the old side. Since I've haven't seen really anything newer on the NY, CT plans I'm wondering if it's still the case were as you can switch from Cadillac to budget policies and back when the need arises.
Such a helpful video. I would have never known about the difference between New York and other states and even less about the strategy explained here. Thank you!!
In New York or CT, yes with limitations. I don't know why you would. The G-HD is better coverage and you keep the benefits of Original Medicare. Plus you can upgrade at any time. Once you get an Advantage Plan, you are limited to changing only during the Advantage Plan enrollment periods. If you get cancer in April and they deny or delay your care, you can't do anything about it until Jan 01.
Fair question. Once you have an Advantage Plan you can only change during the Annual Election Period or Open Enrollment. You are not free to make changes whenever you want. You get cancer in March ...you lose
@@davidparker7156 with cancer, you get 80% coverage, you pay 20% up to the MOOP. you also are limited to their network. consumer.healthday.com/cancer-treatment-2658727750.html
You must have Medicare Parts A & B to get a supplement. Part A usually has no premium. If you have VA prescription benefits you do not need to get Part D. Otherwise you will need to pay for Part D. These plans can be as low as $13 /m for people with no prescriptions.
Excellent video. Very clearly presented. Very useful. I'm a Connecticut resident. You have convinced me to get a high deductible plan when the time comes. Question: Premiums for Part B and Part D are higher if your Adjusted Gross Income is greater than $85,000. How much higher depends on how high your AGI is. Is there a similar increase for Medicare Supplemental policies if your AGI is above $85,000?
Hi David, I am glad you found this video helpful. The income adjustment you refer to only pertains to your Part B premium and your Part D premium. Your Medicare supplement premium is not impacted by your income.
I was very pleased what you were doing because I did not know the difference between a Connecticut New York and the rest of the States but I'm still looking for some information on prescriptions thank you very much
Thanks for the info. One thing I'm still fuzzy about is when I sign up for medicare (June 2019), my wife will still be working and we will still be covered by her insurance. What do I need to do, if anything?
This site -and you-offer the most information, so far, that I have received. One differing opinion is this: I was advised by the last MediGap agent that I am able to change at ANY time in NY state from a MC Advantage Plan to a MC Supplement plan--but you apparently disagree with this? She said I had until March 15th to change a MC Advantage plan to another MC advantage Plan if I had good reasons, But that I could get a MediGap Plan Anytime of the year and it was not related to enrollment periods at all.
Hi Marcella, Here are New Yorks special rules for Medigap Plans: New York - All Medicare supplement plans offered in New York are priced as Community Rated. New York offers a special Medicare override rule that allows for a perpetual Open Enrollment into a Medicare supplement plan. A New York resident can purchase or switch Medicare supplement plans at any time, as often as desired without medical underwriting. However, it is advised you retain a Medicare supplement for at least 6-months. Switching plans within a six-month time frame can result in a temporary pre-existing condition clause. New York also limits Medicare Part B excess charges to 5%. ---- You can only change from an Advantage Plan back to Original Medicare during either the Annual election Period (10/15 - 12/07 for a January 01 effective date) or during Open Enrollment (January 01 through March 31, starting the first of the next month) Whenver someone requests an insurance quote from us I include any state specific rules you need to know.
PS If you have a Medicare Advantage Plan (in any state) you can use the Open Enrollment Period (01/01 - 003/31) to make a one-time switch to another Medicare Advantage Plan. You can only use this feature once during Open enrollment
If all your services were outpatient Medicare Part B, then yes it will take over $10,000 in Medicare approved charges at Medicare approved rates to reach the current $2,240 annual deductible. Also, the deductible amount is linked to your Social Security COLA. i.e. a 2% increase in your COLA would result in a 2% increase in your deductible. That deductible is also your maximum annual out-of-pocket expenditure. That is why it's rediculous to pay $3,000 +/- a year for a supplement when the Plan F-HD caps your annual cost for medical bills at less than other plan premiums.
You will also need to enroll in plan D. My coverage for this is just $17 per month. See Robert McPherson just below this for more info. Being the USA, plan D is somewhat complicated. The biggest scam is that under insurance, the big drug store chains charge much more for prescriptions that someone can get them for if they pay cash and a neighborhood pharmacy.
Hello I love your video..My question is: I'm on SSDI with Medicare since 5/1/17 DOB 11/06/1957 ...Do these rule about price and switching between plans apply to me too?
Hi Blanche - There are rules to consider if you are on Medicaid. Other than that, just to confirm before I replied; I went through various NY Medigap applications and prices for under 65 and find them to be exactly the same as over 65. The rules are the same for in NY for under 65 as over 65. I expect that to be true in CT as well. If you live in CT and want me to confirm let me know.
I'm happy to hear this..I have signed up for plan N..I go for Pain Management injections which can be costly, and 2 times a month..I din't sign up for plan F-HD because of that..I'm wondering however if Plan A might be safe or not
Blanche - In NYC all the insurance companies should make it easy for you to switch. However, each insurance company offers plans at different prices (identical benefits, different prices, and different pricing strategies). My role is to represent your best interest in finding the right plan for your needs and your budget, then find the insurance company that will give you the best price over your lifetime. You don't pay for my services. You don't pay more for your insurance when you work through a broker like me. What you get is the ability to easily see and understand all your options.
Thanks for the great video series. I watched a few of these videos last year when I first signed up for Medicare, and re-watching them again as I approach year 2. I plan to call your company in the next few weeks. I still am confused about switching medigap plans in NY: 1-do I need to be enrolled in a medigap plan by the start of 2021 to be able to switch from say a high deductible plan to a low deductible plan during the year, or can I sign up for that low deductible plan any time during the year, totally bypassing a medigap plan up until that point in time? 2-typically how long would it take for the medigap plan to take effect once I sign on mid year? Can I immediately drop the plan after a surgery has been successfully completed? I have not utilized the healthcare system whatsoever in nearly 40 years, and unless something changes will continue to under utilize the healthcare system. As far as I know I am healthy.
In NY you have a perpetual Open Enrollment. As long as you have Medicare A & B and NOT a Medicare Advantage plan you can enroll in a supplement at any time. If you are without a supp0lement, there can be pre-existing conditions for a 6-month period. If you have a supplement you want to keep it for at least 6-months to avoid a pre-exisitng condition clause when you change plans. Other than that, you can be on your way to the hospital in an ambulance and enroll in a supplement. How long it takes to go into effect depends on the insurance company.
@@MedigapSeminars need to sign up for "G" standard but cannot get anyone on phone- please send me an email where I can call someone Mon- 7th- time running out 5b hour waits on phone- thought you said that in Ct. could sign up anytime. Have original medicare and plan D but need co-pay coverage for Cancer tx. Need it now not in 6 months- thats crazy- please email me with a phone number some one will answer- URwhatUR@ aol.com K. Samuelson- also am memeber of AARP- united HC quoted in your seminar as 208 per month need to begin Jan 1, 2021 or ASAP Thanks love the videos. Keep it up.
@@kathysamuelson2970 Hi Kathy - the December 07 deadline has absolutely nothing to do with Medicare supplement plans. It is for Medicare Advantage Plans and Part D plans only. ruclips.net/video/DaY0gDU0UhI/видео.html medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
Hi Merry. I have videos on Plan N, G and FHD here: ruclips.net/p/PL2KZrVNBipJgVaEFBaObZ_84qr7Nm6WUM In 2020 only those who were eligible for Medicare prior to 2020 can get a Medigap Plan FHD. It will be replaced with a new Plan GHD this January for everyone else.
Is the high deductible medigap plan available in all zip codes in NY State? I came across a NYS web site listing available plans by zip codes and no Brooklyn zip codes were listed. We are in zip code 11201.
@@matthewfishbein5159 Yes it is available. Gov sites are never 100% accurate with supplements. If you would like quotes and our recommendation please provide us with the information we need. Our services are free to you, the consumer: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
If your birth month is say in Oct. During the first year of enrollment for Plan F or G HD, a subscriber has a surgery, say in Nov. She is charged for the 3 months deductibles (Oct, Nov and Dec) and the coverage for the surgery costs starts to kick in 100% thereafter? Did I understand it correctly about the HD Plans? It almost seems like unfair for the first year, if one is born in January...LOL Please let me know if the entire deductibles in the first year, regardless of when one starts the Medicare, means 12 months worth.
The company I typically use for F-HD and will Use for G-HD reduces your deductible as you get past the first half of the year. For example, if you enrolled in October your deductible for the rest of the year would be $860, not the full $2,300. That is a decision made by the insurance company, not Medicare.
Great question, Robert. In NY and CT, when you have a Medicare supplement you can switch to another Medicare supplement at any time, without Medicare questions or qualifications. Conversely, if you have a Medicare Advantage plan you can only switch out of that plan during the annual disenrollment period. The annual disenrollment period is from January 01 through February 14. Most insurance companies will allow you to apply for a supplement starting October 15, for the supplement to start coverage on January 01 (the first day of the disenrollment period). You can also get a Part D plan starting october 15th through the disenrollment period as well. At no time will you be required to go through medical underwriting to qualify for a supplement plan. This is important - if you take action to disenroll between October 15 and December 07, your supplement and Part D can start January 01. If you take action to disenroll in January, your supplement and Part D will start February 01. If you take action in February up to the 14th, your new plans will start on March 01. - If you like my answers, please give my answer a thumbs up. :-)
Thanks for your quick response. I'm picking out an advantage plan that goes into effect June 1st. I cant afford the extra premium of a supplement plan and part D but its good to know if I wanted to in the future I can switch to A,B,D and medigap without the underwriting. One other question. Not that I want to be switching back and forth all the time but can I switch back to Advantage plan from A,B,D and Mgap without any underwriting?
Did you know you can get a Medicare supplement and Part D plan for less than $100 / month? Even more, this plan will provide more insurance coverage and freedom of choice than any Advantage plan. Just curious.
No I didn't know that. I'm working with an independent Medicare agent and he gave me the choice of 2 Advantage plans with 0 premiums. I'm on SS Disability and after SS takes out the 134 for part B I'll be making 1288. That's not leaving me much for my other monthly expenses. Maybe that's why he was pushing the advantage plans. Plus I have 9 medications I take daily all generic and generic preferred. Don't most of the D plans have a $405 deductible ? I wish I could make it work because Id rather have Original Medicare. That's why I asked if I could switch from Advantage plan later if I could swing the extra cost.
Robert, I understand your situation. This is what I suggest, use this link to send me your zip code and contact information: medigapseminars.org/contact-us/ I will email you a quote and information on the Medicare supplement I beleive most fits your situation (The Plan F-HD). It has a lot of advantages over a Medicare Advantage plan. We can also talk over the phone and I will walk you through how to shop for the Medicare Part D plan that will offer you the lowest price on your prescriptions using the Medicare.gov website. Then you decide. I don't "sell" or pressure. I just offer the information you should have before you make a decision. It may be that the Medicare Advantage plan is the way to go. But you need to have all the options in front of you before you can make that decision.
Thanks Matthew. I spoke to you yesterday about Medicare Plan F High Deductible - you were so knowledgeable, honest and credible in your dealing with clients/customers. You are the Best in the industry. Can you please let me know - which companies offer this plan in NY. Does Blue Cross and Blue Shield also offers in addition to Global Life Insurance? I am sucker of Brand Name!
Hi Rama- Thank you for your kind words. I appreciate your comment. Very few Medicare insurance companies offer the Plan F-HD. Because the premium is so low, there is little profit in it. In addition, NY state has significant regulations and most insurance companies simply prefer not offer any products in that state. Your choices are limited and Globe Life / Torchmark offers the best price. They are a more financially stable company than most of the brand names you hear of. Speaking of brand names, most people don't realize that Blue Cross Blue Shield is not some big national company. It is a franchise made up of 36 small independent companies that simply pay a fee to use the BCBS name. They each have their own territory, finances and rating. It makes it look like BCBS is a big organization....it's not.
Matthew Claassen videos are amazing! He is informative, honest and very friendly. He helped me to enroll in a Supplement Plan that is the best for me and saved me a lot of money. I highly recommend Medigap Seminars. Thank you, Matthew Claassen
I live in CT and I am in reasonably good health. So I am taking an advantage plan until I get sick. If I get really sick, I will inmediately switch to a G high deductible plan. ANY OBJECTIONS?
Excellent presentation regarding NYS residents.
This is a really terrific video. I went all over the Internet and could find virtually nothing on the points he raises!!
Thank you. I LIVE IN THE STATE OF MARYLAND. HOW DOES MD. WORK
MD is a very poor state for Advantage plans. medigapseminars.org/contact-us/
Very informative!! Researching for my mom who lives in NYC. Great stuff. Will be calling once my sister reviews the info.
very informative video, will be watching others, will be using your services soon.
Thank you Sharon. I look forward to it.
Great stuff. Called and got great guidance
Thank you Jay. I enjoyed talking with you and am glad we could help.
Very informative info, presented so well and easy to understand. Requested your assistance thru your website. Thank you so much
This video is on the old side. Since I've haven't seen really anything newer on the NY, CT plans I'm wondering if it's still the case were as you can switch from Cadillac to budget policies and back when the need arises.
Still the case you can switch back and fourth NY website Dept of financial services website the laws still stand
Such a helpful video. I would have never known about the difference between New York and other states and even less about the strategy explained here. Thank you!!
EXCELLENT info Matthew! I live in CT. Thanks for posting/sharing!
My union (NYC) offers two advantage plans for Medicare eligible members. Can I start with one of those and then switch to medigap?
In New York or CT, yes with limitations. I don't know why you would. The G-HD is better coverage and you keep the benefits of Original Medicare. Plus you can upgrade at any time. Once you get an Advantage Plan, you are limited to changing only during the Advantage Plan enrollment periods. If you get cancer in April and they deny or delay your care, you can't do anything about it until Jan 01.
why not 0 cost advantage plan and switch to medigap plan if you need it later?
Fair question. Once you have an Advantage Plan you can only change during the Annual Election Period or Open Enrollment. You are not free to make changes whenever you want. You get cancer in March ...you lose
@@MedigapSeminars they still cover you just might have a higher deductible. Certainly bad timing and a worse case in that example
@@davidparker7156 with cancer, you get 80% coverage, you pay 20% up to the MOOP. you also are limited to their network. consumer.healthday.com/cancer-treatment-2658727750.html
great info on the cost strategies.
Can a person just have Medicare part B and a supplemental plan
You must have Medicare Parts A & B to get a supplement. Part A usually has no premium. If you have VA prescription benefits you do not need to get Part D. Otherwise you will need to pay for Part D. These plans can be as low as $13 /m for people with no prescriptions.
Excellent video. Very clearly presented. Very useful.
I'm a Connecticut resident.
You have convinced me to get a high deductible plan when the time comes.
Question: Premiums for Part B and Part D are higher if your Adjusted Gross Income is greater than $85,000. How much higher depends on how high your AGI is. Is there a similar increase for Medicare Supplemental policies if your AGI is above $85,000?
Hi David, I am glad you found this video helpful. The income adjustment you refer to only pertains to your Part B premium and your Part D premium. Your Medicare supplement premium is not impacted by your income.
Good to hear. Thanks very much.
I was very pleased what you were doing because I did not know the difference between a Connecticut New York and the rest of the States but I'm still looking for some information on prescriptions thank you very much
My Part D website is PartDShopper.com. It has all you need
Thanks for the info. One thing I'm still fuzzy about is when I sign up for medicare (June 2019), my wife will still be working and we will still be covered by her insurance. What do I need to do, if anything?
Hi Steve. I believe this next video will answer your question: ruclips.net/video/wegBnIZd_Tk/видео.html
This site -and you-offer the most information, so far, that I have received. One differing opinion is this: I was advised by the last MediGap agent that I am able to change at ANY time in NY state from a MC Advantage Plan to a MC Supplement plan--but you apparently disagree with this? She said I had until March 15th to change a MC Advantage plan to another MC advantage Plan if I had good reasons, But that I could get a MediGap Plan Anytime of the year and it was not related to enrollment periods at all.
Hi Marcella, Here are New Yorks special rules for Medigap Plans: New York - All Medicare supplement plans offered in New York are priced as Community Rated. New York offers a special Medicare override rule that allows for a perpetual Open Enrollment into a Medicare supplement plan. A New York resident can purchase or switch Medicare supplement plans at any time, as often as desired without medical underwriting. However, it is advised you retain a Medicare supplement for at least 6-months. Switching plans within a six-month time frame can result in a temporary pre-existing condition clause. New York also limits Medicare Part B excess charges to 5%. ---- You can only change from an Advantage Plan back to Original Medicare during either the Annual election Period (10/15 - 12/07 for a January 01 effective date) or during Open Enrollment (January 01 through March 31, starting the first of the next month) Whenver someone requests an insurance quote from us I include any state specific rules you need to know.
PS If you have a Medicare Advantage Plan (in any state) you can use the Open Enrollment Period (01/01 - 003/31) to make a one-time switch to another Medicare Advantage Plan. You can only use this feature once during Open enrollment
if i m hearing this right so basically you would need to acquire a $10000 medical bill to hit your deductible with a HDF plan?
If all your services were outpatient Medicare Part B, then yes it will take over $10,000 in Medicare approved charges at Medicare approved rates to reach the current $2,240 annual deductible. Also, the deductible amount is linked to your Social Security COLA. i.e. a 2% increase in your COLA would result in a 2% increase in your deductible. That deductible is also your maximum annual out-of-pocket expenditure. That is why it's rediculous to pay $3,000 +/- a year for a supplement when the Plan F-HD caps your annual cost for medical bills at less than other plan premiums.
just wondering how much would F-HD cost in ct.,.,thanks still a year away!!
sorry 2020 2021....almost
My F-HD supplement costs $52 a month and $14.40 for part D
This doesn't include what you spend on prescription drugs right?
You will also need to enroll in plan D. My coverage for this is just $17 per month. See Robert McPherson just below this for more info. Being the USA, plan D is somewhat complicated. The biggest scam is that under insurance, the big drug store chains charge much more for prescriptions that someone can get them for if they pay cash and a neighborhood pharmacy.
I change 65 in January 2021. Can I get a plan G high Deductible plan?
Hello I love your video..My question is: I'm on SSDI with Medicare since 5/1/17 DOB 11/06/1957
...Do these rule about price and switching between plans apply to me too?
Hi Blanche - There are rules to consider if you are on Medicaid. Other than that, just to confirm before I replied; I went through various NY Medigap applications and prices for under 65 and find them to be exactly the same as over 65. The rules are the same for in NY for under 65 as over 65. I expect that to be true in CT as well. If you live in CT and want me to confirm let me know.
I'm in NYC
I'm happy to hear this..I have signed up for plan N..I go for Pain Management injections which can be costly, and 2 times a month..I din't sign up for plan F-HD because of that..I'm wondering however if Plan A might be safe or not
Could you please tell me how easy the insurance companies make it to switch from plan to plan? Would it or Could I- be easier to switch with you?
Blanche - In NYC all the insurance companies should make it easy for you to switch. However, each insurance company offers plans at different prices (identical benefits, different prices, and different pricing strategies). My role is to represent your best interest in finding the right plan for your needs and your budget, then find the insurance company that will give you the best price over your lifetime. You don't pay for my services. You don't pay more for your insurance when you work through a broker like me. What you get is the ability to easily see and understand all your options.
Thanks for the great video series. I watched a few of these videos last year when I first signed up for Medicare, and re-watching them again as I approach year 2. I plan to call your company in the next few weeks.
I still am confused about switching medigap plans in NY:
1-do I need to be enrolled in a medigap plan by the start of 2021 to be able to switch from say a high deductible plan to a low deductible plan during the year, or can I sign up for that low deductible plan any time during the year, totally bypassing a medigap plan up until that point in time?
2-typically how long would it take for the medigap plan to take effect once I sign on mid year? Can I immediately drop the plan after a surgery has been successfully completed?
I have not utilized the healthcare system whatsoever in nearly 40 years, and unless something changes will continue to under utilize the healthcare system. As far as I know I am healthy.
In NY you have a perpetual Open Enrollment. As long as you have Medicare A & B and NOT a Medicare Advantage plan you can enroll in a supplement at any time. If you are without a supp0lement, there can be pre-existing conditions for a 6-month period. If you have a supplement you want to keep it for at least 6-months to avoid a pre-exisitng condition clause when you change plans. Other than that, you can be on your way to the hospital in an ambulance and enroll in a supplement. How long it takes to go into effect depends on the insurance company.
@@MedigapSeminars need to sign up for "G" standard but cannot get anyone on phone- please send me an email where I can call someone Mon- 7th- time running out 5b hour waits on phone- thought you said that in Ct. could sign up anytime. Have original medicare and plan D but need co-pay coverage for Cancer tx. Need it now not in 6 months- thats crazy- please email me with a phone number some one will answer- URwhatUR@ aol.com K. Samuelson- also am memeber of AARP- united HC quoted in your seminar as 208 per month need to begin Jan 1, 2021 or ASAP Thanks love the videos. Keep it up.
@@kathysamuelson2970 Hi Kathy - the December 07 deadline has absolutely nothing to do with Medicare supplement plans. It is for Medicare Advantage Plans and Part D plans only. ruclips.net/video/DaY0gDU0UhI/видео.html medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
Is the plan f high deductible plan still available for 2020 coverage? How does it compare to plan N?
Hi Merry. I have videos on Plan N, G and FHD here: ruclips.net/p/PL2KZrVNBipJgVaEFBaObZ_84qr7Nm6WUM In 2020 only those who were eligible for Medicare prior to 2020 can get a Medigap Plan FHD. It will be replaced with a new Plan GHD this January for everyone else.
Is the high deductible medigap plan available in all zip codes in New York State? I came across a NYS government web site listing
Is the high deductible medigap plan available in all zip codes in NY State? I came across a NYS web site listing available plans by zip codes and no Brooklyn zip codes were listed. We are in zip code 11201.
@@matthewfishbein5159 Yes it is available. Gov sites are never 100% accurate with supplements. If you would like quotes and our recommendation please provide us with the information we need. Our services are free to you, the consumer: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
If your birth month is say in Oct. During the first year of enrollment for Plan F or G HD, a subscriber has a surgery, say in Nov. She is charged for the 3 months deductibles (Oct, Nov and Dec) and the coverage for the surgery costs starts to kick in 100% thereafter? Did I understand it correctly about the HD Plans? It almost seems like unfair for the first year, if one is born in January...LOL Please let me know if the entire deductibles in the first year, regardless of when one starts the Medicare, means 12 months worth.
The company I typically use for F-HD and will Use for G-HD reduces your deductible as you get past the first half of the year. For example, if you enrolled in October your deductible for the rest of the year would be $860, not the full $2,300. That is a decision made by the insurance company, not Medicare.
@@MedigapSeminars Thank you for the information.
I live in NY can I switch from Advantage plan to Regular Medicare with D and Supplement plan with no underwriting and no enrollment period?
Great question, Robert. In NY and CT, when you have a Medicare supplement you can switch to another Medicare supplement at any time, without Medicare questions or qualifications. Conversely, if you have a Medicare Advantage plan you can only switch out of that plan during the annual disenrollment period. The annual disenrollment period is from January 01 through February 14. Most insurance companies will allow you to apply for a supplement starting October 15, for the supplement to start coverage on January 01 (the first day of the disenrollment period). You can also get a Part D plan starting october 15th through the disenrollment period as well. At no time will you be required to go through medical underwriting to qualify for a supplement plan. This is important - if you take action to disenroll between October 15 and December 07, your supplement and Part D can start January 01. If you take action to disenroll in January, your supplement and Part D will start February 01. If you take action in February up to the 14th, your new plans will start on March 01. - If you like my answers, please give my answer a thumbs up. :-)
Thanks for your quick response. I'm picking out an advantage plan that goes into effect June 1st. I cant afford the extra premium of a supplement plan and part D but its good to know if I wanted to in the future I can switch to A,B,D and medigap without the underwriting. One other question. Not that I want to be switching back and forth all the time but can I switch back to Advantage plan from A,B,D and Mgap without any underwriting?
Did you know you can get a Medicare supplement and Part D plan for less than $100 / month? Even more, this plan will provide more insurance coverage and freedom of choice than any Advantage plan. Just curious.
No I didn't know that. I'm working with an independent Medicare agent and he gave me the choice of 2 Advantage plans with 0 premiums. I'm on SS Disability and after SS takes out the 134 for part B I'll be making 1288. That's not leaving me much for my other monthly expenses. Maybe that's why he was pushing the advantage plans. Plus I have 9 medications I take daily all generic and generic preferred. Don't most of the D plans have a $405 deductible ? I wish I could make it work because Id rather have Original Medicare. That's why I asked if I could switch from Advantage plan later if I could swing the extra cost.
Robert, I understand your situation. This is what I suggest, use this link to send me your zip code and contact information: medigapseminars.org/contact-us/ I will email you a quote and information on the Medicare supplement I beleive most fits your situation (The Plan F-HD). It has a lot of advantages over a Medicare Advantage plan. We can also talk over the phone and I will walk you through how to shop for the Medicare Part D plan that will offer you the lowest price on your prescriptions using the Medicare.gov website. Then you decide. I don't "sell" or pressure. I just offer the information you should have before you make a decision. It may be that the Medicare Advantage plan is the way to go. But you need to have all the options in front of you before you can make that decision.
Thanks Matthew. I spoke to you yesterday about Medicare Plan F High Deductible - you were so knowledgeable, honest and credible in your dealing with clients/customers. You are the Best in the industry. Can you please let me know - which companies offer this plan in NY. Does Blue Cross and Blue Shield also offers in addition to Global Life Insurance? I am sucker of Brand Name!
Hi Rama- Thank you for your kind words. I appreciate your comment. Very few Medicare insurance companies offer the Plan F-HD. Because the premium is so low, there is little profit in it. In addition, NY state has significant regulations and most insurance companies simply prefer not offer any products in that state. Your choices are limited and Globe Life / Torchmark offers the best price. They are a more financially stable company than most of the brand names you hear of. Speaking of brand names, most people don't realize that Blue Cross Blue Shield is not some big national company. It is a franchise made up of 36 small independent companies that simply pay a fee to use the BCBS name. They each have their own territory, finances and rating. It makes it look like BCBS is a big organization....it's not.
#MedigapSeminars
Does this apply for NYC too?