Glad we could help! Just in case, here are some more details about the Kentucky birthday rule: insurance.ky.gov/ppc/Documents/2024.01.24%20Medicare%20Supplement%20Enrollment%20Changes.pdf
I am retired but not drawing SS. I'm waiting until 65. Not because I want to, because my medical insurance runs out at 65. But, me and my wife get $300 a month each for a Supplement plan. That means she will be forced to retire at 63. My only question, if someone hired you to help. How do you get paid. Because we all need to make money. Do you work as a independent, and get Commission on the insurance you sell. I'm only 60 and still have 4.5 years to go
Good question! We do get commissions paid to us by the insurance companies if we help you enroll in a plan. Fortunately, it doesn't come out of your pocket!
I will have to stay with G. But I would like plan D or M but there are like 3 insurance company choices in my state. I don't like plan N. I understand that because of the low number companies these aren't good options for the long haul😔 Is that true?
It is true that Plan D and Plan M are often offered by fewer companies. Overall, we don't recommend those plans except maybe in some unique situations. Are you concerned with excess charges regarding Plan N?
If your Kaiser before 65 is an ACA plan or employer plan, Kaiser likes to enroll you "for convenience" into a Medicare Kaiser HMO. You have a choice of Traditional Medicare or MA during your IEP that last until 65+3 mos. It is illegal to sell a medigap if you are on a MA Medicare plan.
Great source of information 👍 I live at upstate New York (13413), are you familiar with the market situation of my area or if you can recommend some agents to work with me? Thanks 🙏
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Thanks to you and this video, I found out that Kentucky got a "Birthday" rule as of Jan 1 of 2024. This makes choosing a plan a lot less "scary".
Glad we could help! Just in case, here are some more details about the Kentucky birthday rule: insurance.ky.gov/ppc/Documents/2024.01.24%20Medicare%20Supplement%20Enrollment%20Changes.pdf
@@GiardiniMedicare Thank you!
I am retired but not drawing SS. I'm waiting until 65. Not because I want to, because my medical insurance runs out at 65. But, me and my wife get $300 a month each for a Supplement plan. That means she will be forced to retire at 63. My only question, if someone hired you to help. How do you get paid. Because we all need to make money. Do you work as a independent, and get Commission on the insurance you sell. I'm only 60 and still have 4.5 years to go
Good question! We do get commissions paid to us by the insurance companies if we help you enroll in a plan. Fortunately, it doesn't come out of your pocket!
I will have to stay with G. But I would like plan D or M but there are like 3 insurance company choices in my state. I don't like plan N. I understand that because of the low number companies these aren't good options for the long haul😔 Is that true?
It is true that Plan D and Plan M are often offered by fewer companies. Overall, we don't recommend those plans except maybe in some unique situations. Are you concerned with excess charges regarding Plan N?
If you are using Kaiser (HMO) when you turn 65, how would Medigap work with Kaiser or are you stuck with an Advantage plan?
Basically stuck with an advantage plan when it comes to Kaiser
If your Kaiser before 65 is an ACA plan or employer plan, Kaiser likes to enroll you "for convenience" into a Medicare Kaiser HMO. You have a choice of Traditional Medicare or MA during your IEP that last until 65+3 mos. It is illegal to sell a medigap if you are on a MA Medicare plan.
Go Ahead 🔥🔥
Nice Information 🌺🌺🌺🌺
Good info.
Great source of information 👍 I live at upstate New York (13413), are you familiar with the market situation of my area or if you can recommend some agents to work with me? Thanks 🙏
My experience was the moment I mentioned HD G, brokers lost interest.
Not surprising. The commissions are very low for the HDG
What about WellCare for part D? It’s 50 cents a month!
It's a great option if it makes sense based on your medications and pharmacy preference
I had AARP UnitedHealthcare Plan N to Advantage Plan Atena
Medi-Gap $204