95% of My Medicare Supplement Clients will get these Medigap Plans in 2024!
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- Опубликовано: 12 сен 2024
- 95% of My Medicare Supplement Clients will get these Plans in 2024!
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If you're wondering how to sign up for Medicare online, it's a relatively straightforward process. You can visit the official Medicare website or utilize the services of reputable agencies like ABT Insurance Agency, which specializes in Medicare and can guide you through the enrollment process. When considering your options for 2024, it's essential to explore the best Medicare supplement plans, such as Medicare Plan G and Medigap Plan N, to ensure comprehensive coverage. It's like attending a "Medicare school" to educate yourself on the various plans available. Ultimately, with the convenience of online enrollment, you can make informed decisions about your Medicare coverage and secure the best plan to meet your healthcare needs.Do Not get a Medicare supplement PLAN G before you watch this video. Medigap Plan G can be more expensive than Plan N and HDG (High Deductible Plan G). This is because Plan G provides more comprehensive coverage than Plan N and HDG.
Plan G offers the same benefits as Plan N, and additionally, it covers excess charges that may arise if a healthcare provider doesn't accept Medicare's approved amount as full payment.
Although Plan HDG may come with lower monthly premiums, it does necessitate a higher deductible payment before the plan's benefits become active. After meeting the deductible, Plan HDG provides coverage similar to that of Plan G.
Many companies like AARP have medicare supplement plan G or a part d prescription drug plan that you can use at CVS which now owns Aetna. If you want a Medigap plan n definitely try Cigna for their boomer benefits to seniors. Keep in mind whether you are in New York, Florida or California, the Medigap part g is the same. I could name major cities such as Houston Texas and Philadelphia Pennsylvania and a supplemental plan from United Healthcare will have the same hospital and doctor benefits.
Ultimately, the ideal Medicare supplement plan for an individual hinges on their unique healthcare requirements and financial considerations. It's crucial to thoroughly evaluate all the available options, comparing costs and benefits, before arriving at a decision.
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Disclaimer: This video is for entertainment purposes only. If you want advice on Medicare or any of its plans, please speak to a licensed agent, whether it is me or another licensed agent. No advice should be taken from this video. If you don't speak to me about your individual concerns, I can't give you my 100% opinion. Brian Monahan and Medicare 365 are not responsible for any actions that you take without consulting with a licensed insurance agent.
#medicare #medigap #medicare365 #brianmonahan #highplang #medicarehdg #bestmedicareplans #top3medicare #top3medigap #medicaresupplement #medigapplang
This video should answer all of your questions
Wat if you had breast cancer and breast cergury chemo Radiology. And taking 2 expensive cancer meds On plan G???
The fact is- most seniors can not afford the part B premium and then another 100-140 a month for a supplement plan. I think this is common knowledge. It’s a shame the government really turns the screw on you when you get older.
They certainly do. Who trusts the government these days though??
@@medicare365 I thought that was a given.
It is about $4000 a year which is $333 mo. Hopefully your house is paid off, your home taxes and insurance are really low, your car is paid off, you have minimum car insurance, you don't drive much and your supermarket bill, phone and utilities is minimal.....I mean, hopefully you have another half like you sharing the pain of the cost, otherwise you will be leaving in a shed with what the govt gives you in return of their takeaway from your whole lifetime payroll checks.
I am glad your video explains Advantage, people just don't lnow the truth about Advantage. Staying with original Medicare and supplement is the thing to do, if a person can afford it.
I know what doctors say! They hate it.
I know you want tha life time commission, but people still matter, at least they should.
This was the absolute BEST breakdown and explanation of what I needed to understand. I will turn 65 at the end of 2024 so I am trying to get educated NOW about what these plans are about and what I will be expected to pay so that I can try and prepare financially. Thank you!
Thank you for sharing 🙏
You're wise in doing so before getting in the complex maze. Brian's videos are the best I've seen.
I wish we could get medigap plans for those prices here in Vermont. The lowest I can find is $300 for plan G. Times two for my wife and I is $600 per month or $7200 per year for premiums whether we need medical care or not. If we go 10 years with no major health problems we be out $72,000. Plus part D, plus dental, plus vision.
Yes, it’s high in VT
Thank you so much Brian your the best
Thanks 🙏
Thanks for your honesty. I’m turning 65 in January and it looks like the Plan G is the way to go.
Glad it helped. Give us a call. We’re in 48 states.
Good channel. You explained it very well.
Appreciate it
Thank You for the explanation. I think I got it now. Appreciate it!
Glad it helped!
In USA Today, article titled "Hospitals, doctors drop private Medicare plans over payment disputes". You warned us about Advantage plans...
Thanks for posting. I tried to look for it. Do you have the link to the article?
Brian, first off, thanks for one of the best layer out summaries of what you most likely will pay, and including part B into the spreadsheet. I have been watching these videos for 5 months now and this has been the most comprehensive and concise as to what you probably are going to pay yearly for the most common medi-gap NG plans.
When I talk to seniors that have been on Medicare for years they typically do not include the 174 dollars a month for plan B. Why? Because it is typically withdrawn automatically from their Social Security. Nevertheless it is still coming out of their pockets.
OK, so one thing I would add to this video, and please correct me if I am wrong, plan G allows you to come into at anytime without health pre-certification. So, theoretically you could start with plan N and if you wanted or needed to, in the future you could always switch to a plan G without health ‘penalties’?
One more personal question. If I am on VA healthcare (level 6 with a copay), would you recommend a different strategy then this video presents? I am sure there are many veterans watching this video with the same question, because VA is not credible coverage in terms of Medicare, accept for Part D.
Another personal question, although again pertinent to many of your viewers. What if we are covered by our spouses plan as we are approaching 65? Specifically if it is a plan with greater then 20 employees, and thus, deemed credible coverage. Should we delay Medicare?
I ask these additional questions with the outstanding spreadsheet presented in this video, as I am sharing with my friends. Thanks again!!!
I believe you have good questions to ask. However you should give him a call so that it's confidential. Also check with social security by appointment so they can look into your needs regarding your spouse and coverage.
Minnesota doesn’t have excess charges either. However, if you come to MN for treatment from outside the state you can be charged excess charges. I personally know seven people who have gone to Mayo Clinic for treatment which does charge excess if you’re from out of the state.
Great comment. That is a serious point about MN
I don't think Mayo Clinic still has excess charges.
From Mayo Clinic Insurance Frequently asked questions:
Does Mayo Clinic accept Medicare?
Yes, Mayo Clinic is a participating Medicare facility in Arizona, in Florida, in Rochester, Minn. and at all Mayo Clinic Health System locations.
My preference is Plan G because Plan N would probably dissuade me from going to specialists or getting additional tests. I like having the freedom to say “well, I met my deductible this year so why not get some minor ailment checked out”.
Smart way of thinking. I can’t argue with that!
Be aware that your medical insurance premiums, and everyone else's on that plan, will certainly go a lot higher the more you utilize it.
Unfortunately overuse of the system will raise premiums on Plan G. Additional tests will not cost more on Plan N but a copay will be involved up to $20. So people on plan N are not going to go running around to unnecessary doctors offices paying $20. Plan N rates stay more stable because of that fact. No running to the doctor because of a sniffle. 🙋♀️🙋♀️
@@christinedaley5580 you completely misunderstood my comment if you think I “run to the doctor with every little sniffle”! I haven’t had any reason to see a doctor since I posted my initial comment which was about the freedom to “responsibly” manage my health!
@@kristentheologus-KTechnogal
I believe you mentioned a minor ailment checked out!! Hmmmm!
Plus many on G not necessarily you will be doing that overusing the system and causing everyone’s rates to increase.
Just got Florida Blue Cross in Florida , 66 years old , non smoker , $ 280 month plan G .
Should have called us. We could beat it.
Wow ! BCBS plan G in NC for 65 yr old male non tobacco is $117.
@@greyholcombjr.9623BCBS plan G NY $333 mo🤬
Live in a state where initially plan G in cheaper than states like NY or Fl., plus with RA I'll have 15 to 20 visits to the Docs a year. Plus a higher risk of cancer. Possibly leading to specialty treatments at specialty centers where I could run into excess charges. Plan G for me.
Go for it Ed!
Plan G has higher higher rate increases over plan N. The only negative with plan and that I see is if you go to the doctor frequently. Even a couple times a month could bring you up to the level of a plan G premium but that's still probably better than having such a huge rate increase with Plan G every year
Good analysis
Don't forget Florida has stupid high prices also.
Not as bad as New York!
For Florida and NY the HDG plan makes the most sense.
@@kathyann9643 That's what I'd get if I lived in either of those states. I'm in Texas so my Plan N is $94/mo.
Yes sir. Texas is crushing the competition for low rates in a great state.
State of Washington too .
I heard somewhere that if you are on an advantage plan and want to move to original Medicare, that you have to be underwriting for the Gap plan. I heard that there are a few states that are exempt from that policy. My question is: is that True and what are the States that have the Underwritting exclusion? Thanks.
There are two instances when underwriting to return to original medicare with a medigap policy is not required. One is when you move your primary residence to a new zip code. The second is if your MA provider drops out of your area. In these cases, you have guaranteed issue rights of getting a medigap policy without underwriting. This is great for renters as it's much easier for them to move than homeowners.
If you tell us your state we can suggest options but if you don’t live in New York or somewhere with guaranteed issue… what’s the point of knowing that information? Are you an agent??
65 yr. old in New Mexico. I signed up for Part A but I am still working and have work health insurance. Any advice for Plan B when I quit.
Depends on your zip code and some other factors but call us a few months before you stop working and lose your coverage.
I have a question my. question is. would you please do a video on the insurance companies and how they work because I've heard that they do charge different prices and they go up different prices every year They're not always the same, you know, like United Health and Aetna and so on and so on. They run their businesses different. like one is a group plan like neighborhood plan or whatever. And the other one is individual from what I've heard. Really. I would like for you to clarify that if you can.
I’ll try… thanks for the suggestion
My friend just signed up for a Humana Medigap G plan in Georgia. I’m wondering how their recent stock market debacle will impact future rate increases.
What about in Arizona? Doesn't Mayo Clinic charge the 15% Excess fee? I was told they do.
Plan G would obviously be a better option if a facility or doctor charges an excess charge. We don’t make serious inquiries about places in the comment section on RUclips
@@RocksToRubies
What are your chances of going to the Mayo Clinic in Arizona?? Mine are zero!! 🙋♀️😂
Plan N is the better way to go IMO.
Why is a Wellcare plan cheaper than a AARP plan? They both have to cover the same, be it G or N.
Are we talking about a Medigap plan?
Aarp uhc plans have extras like gym memberships.
@@medicare365 yes I am talking about medigap.
So, the little bit of money that I get each month from social security I have to expect them to deduct more than the cost of living adjustments that I received in the last 2 years and then somehow try to budget for medigap? Looks like I will be eating less than I do now.
Am I doing this right? I am in California and I went through Medigap Plan G with Blue Shield and others but they are over $600, $700 or even $800 even some plan call Plan G High Deduct. Is it because something called Birthday Rule? Thanks in advance.
I don’t think it’s because of the birthday rule but it could be because it’s guaranteed issue and you have some medical problems??
Thank YOU so much brain its me lizett kings of the valley egypt trying to keep Up wishing YOU anD FAMILY A BLESSING DAY
Lizett!!
Why do you say Urgent Care will have the copay with Plan N? I read they use different CPT codes for Urgent Care, and they are not included in the "Office Visit" codes.
Where did you read that?
I'm having a hard time replying. It's a RUclips thing, apparently. I can't post a link. I did just read something newer that does indicate that certain office visit codes can be used for urgent care. So I will expect to pay $20 if I need urgent care.
@@nancymiller5413Yes, RUclips hates links! I’m willing to pay $20 to see my doctor 2-3 times a year and save $40+ per month in premiums by going with Plan N.
In a state not listed, couldn't that excess charge end up being thousands say if you need 2 surgeries??
I have never seen that personally. I have never heard that from anyone in the business either.
@@kathikapp6707
Don’t think so.
Almost everything I’ve seen or read says part B deductible is $226. But on your video you say it’s $240. So that’s one thing I’m not clear on.
In 2024 it will be $240. We are only a few days away. In 2023 it is $226
How much is Plan D for Eliquis 5mg 2x day
63, can you get plan N?
You can...but the cost is much different for under 65.
Medicare Part A deductible for 2024 is $1632 if admitted to the hospital. Another cost factor that should be discussed
My question to you, what would the monthly premium would be for someone younger then 60( current age 58), wanting AARP as a supplement plan living in zip code 32244 for plan g or n? I understand AARP supplement includes free vision, dental, hearing, and silver fitness. Is this true?
It is usually 3 times the price of someone over 65. I’m not in front of a computer right now but it will be $300-$500 a month most likely.
When you get a moment and get in front of a computer, can you confirm with me the cost for the UHC AARP supplement for my zip code and age? I attended several doctors appointments throughout the year, and I think the Medicare Advantage plans will cost me more than the traditional Medicare plan along with a supplement. Also, my medications are going to be costly. So, I need a good drug plan without an annual deductible. So, I'm hoping AARP offers that.
This video does not apply to part A
Psychiatrists account for most Excess charges?
Are they crazy?
Or their patients?
lol. You gotta love good humor
Thank you
Question. upon signing for a supplement. Besides the monthly payment. Do I have to make additional payment just for signing up fee. ?
Some companies charge an application fee. Most don’t. Our services ( brokers) is free. No charge
@@medicare365 I am Happy you clarified for me. But. Why this is never mentioned. / when comparing cost. Among companies it pays in the decision.
Rhode Island is a typo.
What isn't mentioned here is Plan G rates are going up very fast. Plan N is a lot slower.
A huge reason is guaranteed issuance.
They say that's going to continue and these copays will be a drop in thse bucket compared to Gs monthly rate.
ruclips.net/video/2mgLbdGIepc/видео.htmlsi=nW0YgDpvkIAQfPub
I think Minnesota also will not allow excess charge.
Minnesota is a whole different animal. They don't have a plan n.
Is Plan G better than Plan F? If so, WHY?
@@johnpulwers680
Because the higher premium of F is greater than the $240 deductible that G does not cover. No brainer as that’s the only difference between the 2 plans. Plan F charging you to pay that deductible for you.
Can I start with Plan N and switch to Plan G in say, 5 years?
Yes, but it will depend on certain things.
@@bertschb
Unless in one of those special states you will have to undergo medical underwriting, if any medical issues you will be denied and cannot switch.
I've done the math a thousand times. Unless you enter medicare with a pre-existing condition that you know will cost major $$$ every year or wind up with one soon after turning 65, the G plan is not worth the premiums. The insurance company will win for sure. I start medicare in November and will not even consider a G plan.
Did you consider plan N?
@@luzguerrero1530Deciding between N and High Deductible G. Right now leaning towards N.
Half of our calls want Plan N. No complaints about the plan this year.
I wonder if, in the future, the affordable care act will cover everyone's supplement plan G. Or, maybe, partially cover it so it is more affordable to more people. Wishful thinking?
Probably
Rhode Island
All about the RI.
How much is Plan D for Mounjaro 15mg 1x week
There are tons of plan D companies and plans… that question is too generic.
@ John..Plan D is a Medigap supplement plan. PART D is the Prescription Program for Medicare. You are confusing the 2.
How about plan g in California?
What about it?
nobody cares if the california bunch live or not, get lost@@medicare365
Cost?
Less than $1,000,000.
monthly? I’m on SSDI and Medicare A&B will be effective for me 3-1-24, I currently on long term disability with my employer and have health insurance through them, they told me my employer health insurance is primary and medicate is secondary. I have an active autoimmune disease and need infusion therapy and I need surgery to open my airway, so I’m wondering if I should get a g plan so I don’t incur too much out of pocket costs.
when can i change plans?
You can change a Medigap plan anytime during the year as long as the new company you choose excepts you.
If a person gets a supplement plan, "attained age" based, how much does it go up each year?
I've heard 2-3 percent a year on average.
Wow
Unless Medicare is different, this is a totally bogus definition of MOOP. MOOP in the health ins industry is the most you pay before insurance pays 100%.
I think people get what I was explaining.