12:34 - Please name some of the companies you have issues with and what those issues are. That would be MORE helpful than just naming the companies you like. Thanks.
I was told - by a broker - that once I signed up with united health (as an AARP member) I wouldn’t have to renew my membership next year i.e. - united health would never know
I don't think AARP and United Healthcare Insurance company are one in the same. AARP only advertises for United Healthcare and the other companies that are with AARP. I was an Independent Agent for many years like you. A Chartered Life Underwriter and Member of LUTCF for years. Now retired. People need to contact an Independent agent to get all of the facts concerning Medicare supplement policies, Medical Advantage policies and other Insurance related products. They can shop your needs with dozens of companies and get you the most for you money.
@@djv.8424 AARP has no say over your medicare choice. You do not get a "special discount" from them. It's all standardized by law. Open enrollment begins in October. You are free to choose/change your plan with or without AARP.
I’m on Social Security and Medicare. The thing that happens is yes we got a three point whatever percent increase last year but my Medicare part B payment also went up by $60 a month more than my cola so I actually took a $60 a month cut. I literally made best decisions when i started working with an advisor..
I hear you; it's tough when COLA increases barely keep up with rising costs, and with Medicare premiums possibly going up again, it could feel even tighter this year. Having an advisor on your side is a great call-they can help you navigate these changes and make the most of what you’re getting. Here’s hoping for some better adjustments soon!!
Totally agree. A good financial adviser is a game-changer. My portfolio is balanced for all market conditions, and it has returned 120% since early last year. My adviser and I are now working toward hitting a seven-figure goal, which could take another year._
My CFA Julianne Iwersen Niemann, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
My Dad had tens of thousands of medical bills including heart surgery, intensive care care after a brain bleed, multiple hospitalizations, intensive rehabilitation in hospital and they paid almost everything except for stated copays. Sadly my Dad didn't survive but my elderly mother was not saddled with any medical bills. It was wonderful. We were so thankful
Thanks for sharing your story. Sorry to hear about your dad. The only good thing about that situation is you didn’t get screwed financially from an insurance company.
Do you think American healthcare is twice as much as the other countries in order to pay the doctors really well, so they can justify their expensive education…….the American dream kinda….?👽🐉
I have AARP/UHC. So far so good. I dont like that their customer service center is located outside of the US. The reps are good but I dont like that US corporations do not support US workers and take the cheap way to optimize profits.
United health raises rates faster than their competitors since they give you a new member discount when you sign up. Their community rating is very deceptive.
when you use traditional medicare as long as a dr accepts medicare part b then al dr will “ accept your medigap plan no matter if the dr accepts thst plan for regular patients , so the rule is any dr who accepts medicare part b will bill medicare 80% and whoever your secondary ( medigap ) is they will also bill them for 20 % .a lot of people make these mistake amd ask a dr if the accept the medigap company . the only question you need to ask a dr is do you accept medicare part b and then they must accept and bill your medigap in this case aarp( well united )
I would always choose a Suppliment plan over a Medicare advantage plan! If your not well educated on the plans it's enticing to choose an advantage plan for the low or no premiums but it's effectively a private insurance not original Medicare and because of this your doctors may be dropped from the plan at any time and you may be denied procedures at the insurance companies whim. Get educated before you choose plans!
Thanks! I've heard that too. I'm about to sign up and switch to a Supplemental plan. With having to do the underwriting.... There's so much to process. It's mind boggling to say the least. 🥴
@@Rightiswrong-qv5ulI'm thinking of it this way. It may be more expensive per month, but if something bad should take place you are free of high expenses being on an Advantage HMOs and too doctors can drop you at any time.... I've heard horror stories. This is a painful process I know. I hate it!!!
My wife and I are very pleased with our United Healthcare supplemental to Medicare. We looked at an advantage but they are not accepted by all hospitals.
AARP has great plans and great PRESCRIPTION plans. They pay for what they say they cover. No hassles and if you call them they are NICE and very responsive. I could not be more satisfied with what I'm getting.
i keep reading how many commenters say AARP has great prescription plans. That has never been the case for us. I wonder if it depends on your state? is there a way to find this out. I am in Ohio
@brin3m, unfortunately Advantage plans do vary state to state, one of the real disadvantages vs Traditional Medicare. Another disadvantage can be if you spend extended time in another state and need medical care.
Looking at AARP Plan G for husband. Price difference for Plan G is $108 yearly from Blue Shield which he's currently on. That alone helps pay for his Part D.
Auto is different. So many variables: age, sex, tickets/violations, claims, vehicle, coverage limits . As for age: You’ll notice age 16-24 prices will be high & gradually go down. Age 25-55 you’re in the age sweet spot. Age 56 as you get older will gradually go up. Thats because those ages have different loss ratios.
@noelc2 Yea it's different. I got older, my car's got older, driving record still spotless. Rates went up - even with loyal customer multi-policy discount.
The Inspector General published a study (April '22) showing that 13 percent of the requests for treatment that were denied by Medicare Advantage Organizations (MAOs) such as Humana left patients without treatment or payment for treatment all while those requests otherwise met Medicare coverage rules and likely would have been approved for these beneficiaries under original Medicare (a.k.a. Medicare fee-for-service). Patients were denied, but the MOAs profited. This is what is wrong with America's "healthcare" system; The system is not there to serve the people, but to make profits. It should be renamed the insurance company profits care system because that is exactly what it is and how it is structured. How sick that Humana plans to make $74 Billion this year of of the Seniors "(dis)Advantage" programs alone. There's no mention in the article of the number of Seniors forced to go without treatment or to declare bankruptcy as a result of these profit-care systems.
Actually another independent broker posted a study that said with data up to November of '22, Medicare Advantage had refusals of 5.8% compared with all other payors (non-Advantage) had a rejection rate of 3.8%. So, a difference of 2 percentage points. They said there was one MA provider that had a refusal rate of 13% as others had refusal rates of 3%. But it is not all Medicare Advantage by any reality. And at the same time, Medicare literally has an unfunded liability approaching $100 trillion. So that ain't gonna be sustained no matter what.
I went on Medicare the last year F was available. I could have gotten it and been "grandfathered" in, but the extra premium over G was twice what the Part B deductible was! Didn't make sense, so went with G. I haven't used it, but my wife has. Very happy.
@@RG-hf4etI live in Georgia and have had United Healthcare Plan F since 2012. It’s very expensive. It costs me 287.75 a month. You’re never supposed to receive a bill from any facility. I receive a bill from a local hospital. I have tried to tell them to check a Medicare 2024 Plan Book for all Medicare Plans and read people on plan F is never supposed to receive a bill. They still don’t get the message. I don’t have any copays or deductibles.
How do you avoid joining a Medicare Megigap plan that will Close Book / Dead pool their plan in 5 or so years? Leaving the older and sicker people on the plan, since they are unable to change plans due to medical underwriting. Paul
Thanks for your video. I recently met the deadline for getting a medigap plan. I'm in Georgia and asked about AARP United Health but in my area I think they were higher priced than some other companies and I was told that their rates increased faster. Wish I had seen your video before my deadline to enroll in a supplement plan.
AARP UHC / raised prices so high on us - we had to bail - get away quick . All of U will find this out too . Sad thing is U must change plans before your health gets bad or U maybe stuck .
A few clarifications: 1. It's a dental, vision & hearing discount plan, not insurance and this depends on the plan, they offer two in most states. 2. The AARP membership is only required at sign up, you do not need to keep it in the future. 3. HDG is being introduced in select states starting 6/1/2024 with AARP UHC. 4. AARP UHC is bigger than the next 3 carriers combined.
Medigap plans AARP United Healthcare has the most market share. In NJ good to also check out BC BS Medigap plans. Also good if broker can tell you a company's rate hike history. I have United Healthcare medigap Plan N, works for me. Others I know have plan G.
Maybe a video on which switches require underwriting and which don't? And how picky is the underwriting (exam required? would high BP rule you out? Etc.).
we have Medical Mutual Medicare Supplemental. it has covered everything and paid on time. Cleveland Clinic and University Hospitals here in Cleveland have been pushing 2 advantage plans. we have been refusing it and telling our friends and family to not buy into the sales talk about those plans. what worries me is that two well known hospitals here are pushing specific insurance companys policies. Are other hospitals doing that anywhere else? Are hospitals going to be owned by insurance companies?
I am a 68 year old living in California. I paid in advance for a five-year AARP membership - very inexpensive and has lots of discounts. My AARP UHC plan G gives me free membership to Club Pilates, Orange Theory Fitness, and 24-Hour Fitness - all of which I go to. They are all expensive clubs and I get to go for free. This is a great health benefit. Much better than “Silver Sneakers”.
I live in Washington state and one broker I contacted says he sells more Medicare Advantage plans compared to Supplement plans in our area. He says they seems to work “better” in our area. I told him I really want a Medigap plan.
Beware. He also makes more commission with advantage plans over supplemental. It's a shame this is all so confusing. It's for a reason it's not looking out for us.
Yes, they really work good for him. Don’t get sick, because when you really need good insurance and want to come over to medigap, you are screwed because they likely will not accept you.
@kathymclaughlin - because as said above, your agent makes MORE COMMISSION on an Advantage plan VS. a Supplemental plan. They get cars, vacations, etc. My agent got a new car. Beware. I have a Supplement plan - G with UnitedHealthCare. All plan G plans have the same coverage no matter who you choose. See what your hospital & doctor take.
I am in wa state also and going with plan n I suggest looking into a cost analysis over time when comparing plans f and n a true analysis sadly I don't think this channel does a thorough or totally upfront I also think the person you spoke with was full of it that was a crock of 🙈
As a medical equipment provider, we stopped taking AARP complete because of horrible reimbursement. Another sneaky thing that happens is that if you are contracted with UHC, since their reimbursement is less than Medicare (Medicare is horrible), they will not pay their secondary claims because the Medicare is higher reimbursement. Almost every client that I see that switches to AARP Complete does not understand that they are no longer Medicare but an HMO insurance plan. I am starting Medicare over the next couple of years and will DEFINITELY keep Medicare as primary and get a supplemental and I guarantee you it will not be anything related to UHC.
@@sct4040 I am saying I would steer clear of anything UHC. I also agree, would never have an advantage plan either. Just my opinion after working with and around them with other patients for 22 years.
@@Liam69400my mother had Medicare and an AARP medigap plan. No problems. Rarely anything out of pocket. Sounds like AARP Complete is an Advantage plan, two very different things. If you buy Plan G through AARP or any other company, by law, the baseline coverage MUST be the same.
My husband had to use the ER in Tufts Med Cter in Boston in June, and again at Lenox Hills Hospital in NYC in July. I was shocked that the bill charged to the insurance from Lenox Hills was twice as much as Tufts. That’s ridiculous, he went in to both for the same reason.
I went through three separate round of injections into my spine for a disc issue. The first round cost 2K, but sadly, weeks later when I needed my second round I had to see a clinic that charged 15K!! Same exact procedure!!
I had this plan last year and was told it was no longer available. I went back to United Health care again before I heard that Advantage plans are notorious about denying coverage, especially in hospital stays. I didn’t know about medigap plans when I retired in 2008.
Husband and I have had United Health care for over 2 years now and have been very happy with it, but the cost is getting crazy. Were in Pa. and in 2024 we will pay $240.00
Folks, Brian, Mike & their team are great, patient to explain things and help everyone understand the process and which companies are good in their area. No, I'm not being compensated in any way. Give 'em a call. And, one word of caution, as you study getting Medicare coverage and supplement/gap plan, don't dawdle, as you approach 65. Good ole "dot gov" can be confusing, so start early and just know that the Social Security offices can be really busy and hard to schedule, in the time period you need, so suggest you don't procrastinate.
I could not get any information about Medicare from Social security person. All she did she signed me up for part A and B . Now I have to look for the supplemental plan .
@@Zoe-ot5kp I've been disabled since '08 and I'm only 54 I never had to pick up part D they did that for me but I can see I need to start looking is that the truth
@@medicare365 Ace property and casualty is backed by Chubb and is $114 per month and rated A++ for plan G but is new to Medicare . Your thoughts Brian ?
My BCBS ACA plan sent me a letter saying they are being bought out by Aetna in 2024 and premiums are going up 20%. That’s a large height. Fortunately, I will turn 65 prior to the year end, and will be on Medicare before then. 😊
AARP kept sending me mail. I kept trying to figure out what they were really offering me. All I came up with was that they were a gimmick to try and sell me multiple types of insurance. When I did some research on out pocket benefits with my Medicare they didn't win, another company did.
United Health has taken over clinics in our area called Optum. It drove out Regence Blue Shield. Hundreds of thousands of people lost coverage. I almost lost Premera coverage, though Supplemental Plan tends to be better with negotiating contracts. United Health has bad reputation here in this town.
Deductibles, co pays, etc. are based on income. I'm on disability and have to pay $125/mo in premiums and then 20% of all of the other medical bills except scripts. I have about 8-12 meds and more drs than that. I've canceled a lot of dr appts and procedures because I can't afford it.
They have absolutely nothing to do with the copays, etc. That is controlled by Medicare, and all insurance companies MUST offer the same payments for the each plan. AARP ONLY controls the monthly premiums.
Ye Gads, Brian!!! I wish I'd known about you 2 years ago when I was drowning in the Sea of Supplement Plan Confusion! Fortunately, after months of research, I ended up with the AARP UHC Plan G!! Needless to say, I've now subscribed to your channel. Great work 👏🏽
@n.c.467 When I get older I don't think I want an insurance company to decide whether I need a surgery or not and I'm disabled so I have to have part D but anyway I'm on a one-year try all period you think Medicare put you in the best there is so am I wrong I've been having problems with UHC but what I don't know is what is Plan G do you got to pay money for that?? I have to sign back up before December 8th
The company I retired from is doing away with the medicare reimbursement feature for retirees next year and will be offering United Healthcare Advantage PPO which is supposed to be comparable to most plans. I'm kind of worried about the phrase, Advantage PPO. That sounds contradictory. So, I asked my dental office today after my office visit about United Healthcare coverage. They said they won't pay as much as my present insurance company.
Do yourself a favor and skip the advantage plan you will thank yourself if you ever get in a bad way. I did. lol Medicare doesn't cover a dentist but a dentist is a lot cheaper to pay than a hospital.
@@akita96th it's an advantage PPO so doctors who accept medicare should accept it. The company I retired from had a spending account in my retirement years so it was up to me on what insurance I wanted. They are eliminating the spending account and going with United Healthcare Advantage PPO. The plan will have medical, dental, vision, etc. I took a quick look at the cost and it's a little less per month but I heard that it covers a little less, dollar wise.
In my area UHC (our insurance - thru an employer plan) and I have found some doctors & hospitals announcing that they will no longer accept UHC patients/insurance, resulting in changing provider or higher charges. Sometimes it gets "settled" but recently I had a surgery that cost more than quoted because I was out of the "plan" (or something like that). Does this happen with Medicare? I have often found that using the insurance cost to determine the company sometimes isn't the best option..
AARP cost me $15 per year (for both me and my wife). That''s a big Mac combo. It is a huge plus to be in their system, yielding many options and while funding the most powerful advocate for seniors in America. It is nice to have someone speak for you in Washington, fighting for lower drug costs, continued access to Medigap, fair social security benefits, etc.. In my case I also picked up the best dental insurance I have ever had with DeltaCare, costing me $33 per month with lower costs out of pocket for everything.
What do u think of UHC ptC plans vs BCBS plans ?? pros cons .. which comp u like better ? best? I'm stuck which of these two to pick from use for ptC choice.
Can you discuss Community raying vs age rating? I think AARP-UHC is community rated and appears more expensive but AARP gives a discount that decreases over the years and basically everything equalizes
Age rates plans apparently can move groups of new enrollees into a “block” which is spun off into a subsidiary and closed to new enrollees. Apparently this happens every 5-6 years. Once younger enrollees are no longer being enrolled in the block, rates can skyrocket and then the healthier enrollees can seek a cheaper rate with a new company if they pass underwriting. That leaves older/more unhealthy people in the block so rates really go up and you are stuck. Community rated plans do not block people off like this by age. It’s all one big block so you get the benefit of younger healthier enrollees the entire time. It’s especially beneficial for much older enrollees in their 80’s but may cost more when you are young. I know Mutual of Omaha had a 50% rate increase one year and since I hate surprises, I’m going to end up with United Healthcare which is the only community rated plan in my state. I don’t want to be trying to pass underwriting down the road if my supplement becomes too expensive even if the rate is a little higher now.
You mentioned in the presentation, that UHC requires a membership fee of $16.00. I was told that it is required for the first year and you get the AARP magazine, but you can cancel this $16.00 fee after the first year. I haven’t done this yet because, although I never thought that I’d enjoy the magazine, I do like it. Be sure to ask about this fee when you are considering joining UHC. Also, I have access to several gyms including Club Pilates and Lifetime. Lifetime, where I live,is over $300 a month for regular membership. I pay nothing, but there are some restrictions on available times of day. The have social activities and ARORA classes such as yoga, pilates, aquatics, that cater to over 55 people.
I have AARP with their Dental which as you said is standard. I also have a Delta Dental plan that I had previously. My AARP goes into effect on Jan 1, 24. Can I use my Delta Dental as a co insurance?
I’m in North Carolina. Does United Healthcare still price their plans using a “community rated” metric? Years ago I helped my father in law switch companies when we moved from NY. When I looked at the supplement plan pricing on the NC state insurance department website, every company was over $400/month for a 96 year old man, except for United Healthcare, which was less than $200. The reason was that UHC based their rates on their entire policy holder database, so older people got the benefit of being in the same “bucket” as 65 year old newbies. Is that still the case?
Question: If I start Medicare Plan N or G in a high premium zip code but move to a lower premium zip code, will my premiums be adjusted accordingly to be lower?
But each year or so the companies will raise the premium price of the supplement plan you are. Do you take into account which insurance companies are keeping the premium price increases lower over time when you consult with your clients?
nice vid Brian.. u guys brokers get a commission $ from MC? or sthing right? whenever u get a person to sign up for any MC plan whatever it is.. you get some credit sthing from thru MC right ? how u make a living.. right? You sound smart honest and curernt on it all so so confusing. thx fir doing vids great channell
Confused only on one point you mention...on the one hand.....you (correctly) say all plan "G"'s ( for example) are he same and give you the same coverage....yet...on the other hand, you also say UHC/AARP offers "Supplement" plans that ALSO include some sort of basic eye care and dental benefits.....how does this reconcile?
@@winfidel ....missed the point I make. The SUPPLEMENT plans are ALL goverened by law to be the SAME coverage, within a certain letter code category. For Example ...all "G" plans...from all providers.... are the same as determined by law. How can one suppplement plan offer more or less? It's set up to be the same coverage by all providers....you just price-shop the various providers.
@@AndyB718 Of course not. Doctors in countries with universal healthcare do not work for free. They make good money. In fact, doctors are not the driving force in our expensive, for profit, health system. It's shareholders, lawyers and insurance companies. One of the easiest ways to start lowering costs would be change our current piecemeal system to a set price system of billing. Instead of you break a leg and get bombarded with fees: ambulance =fee. ER=fee. ER doctor= another fee. X-ray and radiologist=fee. Hospital=fee. Orthopedic surgeon =fee. Nurses=fee. Hospitalist (doctor making rounds)=fee. Pain meds/hospital pharmacy=fees. Doctor checkups=more fees. Durable equipment (crutches/orthopedic boot etc.) =still more fees. Rehab/physical therapy= fee!!! A better system= broken left femur =one fee, posted and available for anyone to see. All inclusive. Of course, some would require a bit more, others less, but it balances out. No surprises. No fees from doctors you never met. Next, get the profit out of healthcare. Doctors and nurses should make good money, but anonymous shareholders shouldn't be buying new yachts because you have cancer! The primary concern should be you getting better, not them making money!
When I went on Medicare two years ago, I wanted to stay with United Healthcare, which I'd been with for many years through my former employer. I learned that UHC was only available through AARP, so that's what I used when first signing up. I don't like AARP's politics, so when membership renewal time came around, I didn't renew. Here we are two years later, and I still have Plan G coverage through UHC, but I don''t have AARP junk mail cluttering up my mailbox every week, and I'm not paying membership dues to AARP, either.
AARP is a political left wing socialist group but I could not sign up to UHC without membership. And for some reason my state AZ is expensive for plan G.
Interesting. The United Healthcare supplement was $2/mo cheaper for AARP members in my zip code, so I signed up. I don't care about their politics. However, I won't go out of my way to purchase a My Pillow, at the same price as other decent pillows.
Thank you, Brian! I got AARP/United Healthcare because of their low premiums. Name recognition was a bonus. I saved even more by skipping the gym and vision care, which I don't care about. I could have saved more by having another member in the household, but not the case. It was a no-brainer. You can save even more by signing up for electronic auto payment, which I highly recommend. At the end of the day, I'm paying less than $100 a month for regular plan N. Not bad. I've already been to a doctor, and they accepted the insurance AND no copay. Hope the trend continues! Imo, men should have facial hair. As you can see, I have a moustache. But to each his own.
I'm about to get Medicare. The agent tried to sell me AARP United Healthcare. When I had simple questions about it, the agent figured out I understood the product they have is not cheap so...the person never contacted me with answers 😂 My question was, "so I have to get Medicare B with $160 something per month and then yours $120 something per month?"
My father just signed up for Medicare through Aetna and it was much cheaper than what AARP charges. I really think since AARP is more widely known than some of the others because they advertise so darn much. They have to build all that advertising into their prices.
@@michaelmayo-vb5fl It's just sad what they done to seniors. And then they want to tax those singles who works over 25K and over 32k for married. The higher their tiny provisional income is... it could be taxed up to 85%. Then throw (cola) pennies at seniors for inflation adjustment, what a joke.
I'll be 65 in Dec. Thinking of UPMC Adv & Medigap. I talk to people who like Adv, they are healthy. Begs the question, what happens when they become unhealthy. I talked w/a lady who is 66 with a situation. she luvs her $39 UPMC HMO. She was in a care facility for 6 weeks, never saw a bill.
Can anyone explain what's going on with Medigap plans in Wisconsin? There is no Plan N or Plan G, and it seems like you need to add all kinds of riders...maybe.
Went directly to U H C for healthcare and their price was $ 80/month MORE for a lesser plan with MORE deductibles than going through a broker. Dealing with ANY insurance company is a crap shoot and you'll NEVER win.
AARP only sells one plan in minnesota and that is the extended basic which is the G plan. There is no N plan or high deductible. I also do not see the dental, vision in Minnesota.
AARP United is jacking premiums up 50% or more. Mother in law's premium was about $210 and is now $318. AARP RX went from $11 to $98 !! This is 30% of her SS she gets per month. It's outrageous !!! We are looking at moving to Plan G but she has dementia so I am hearing the underwriters will probably deny her. (and here we thought denying for pre-existing conditions weren't allowed-I guess that was just on ACA plans)
When I became medicare eligible, I opted for Plan G and Plan D through UHC and very pleased with it. My vision and dental are covered by my retiree benefit with my employer. Have no desire to enroll in an advantage plan.
I had United Healthcare and I got a letter from my local doctors, saying that I might want to look for a new plan because they were not bargaining in good faith and that as of February 2024 they would not be seeing any of their United Healthcare patients anymore. So I left and I got Blue Cross Blue Shield so I lost all the benefits that I got with United Healthcare say like the gym membership and I had to pick up a writer for dental which cost me another $50 a month. I'm very nervous about going back to United Healthcare AARP advantage plan.
Oh my gosh. So many people don't understand the difference between AARP UHC Supplement verses AARP Advantage ( more like disadvantage ) plans . Supplement Plans any Doctor - Advantage Plans limited doctors ..
I have Plan G through Excellus BC/BS but it's more than doubling in 2024; Broker recommended AARP but said they don't take phone calls from brokers and I have to call. I'm nervous I'll get conned into something. I have to get monthly eye injections; do they cover Eylea injections?
You can change to a Supplement part G, however, you will mostly have to go through underwriting. There are exceptions where underwriting is not necessary
Mutual of Omaha is generally the best and lowest price. I think most of the AARP plans are UNH Advantage Plans. Advantage plans are slowly exceeding supplement plans in popularity. They both work. It's simply based on a person's risk tolerance. That explains all insurance.
@@kathys53 I know. I pretty much know all the plans. Mutual Omaha is generally the best option for a supplement. But it depends on where you live. UNH is far and away the best for an advantage plan. But only pick a PPO.
@@medicare365 My wife has had a Plan G for some years. Mutual of Omaha has always been the lowest price. I have elected to use an advantage plan with UHC. I have had it for 10 years. I have literally saved many thousands of dollars in premiums. It's that simple. Advantage plans are great but again it's based on what risk you are willing to accept. That's all insurance. Life, property or health are all the same . You elect the risk you will accept versus the insurance company. This also applies to anyone's life in general.
To be clear, the free YMCA membership is only Base level, a $29/month value. Looks like I'll have to pay $25/month extra to get access to the swimming pool. Also, you don't have to use the YMCA. AARP lists other gyms that offer similar discounts.
I'm an MPH in Integrative medicine. I refer to ALl Medicare supplement plans as "Medicare Disadvantage.' Nuf said. Thank you for bringing light to this subject.
You’re confusing Medicare Advantage (which is neither Medicare nor an advantage ) with Medicare Supplement plans - which are original Medicare just filling in the holes
@@irap1269 which makes me wonder how someone who claims to be an "MPH in Integrative medicine" doesn't know the difference between a Medigap plan and MA.
as a senior i walk at the mall, the parks or in my neighborhood. I do stretching exercises at home. if i need socializing then maybe i would go to a senior center that has silver sneakers (which is free with most supplemental plans now) or socialize. You don't need a gym to get the same benefits. I will admit that some people prefer to use a gym for their own reasons. Most of us don't.
If you have Plan F you are grandfathered in. No plan F for new subscribers ... now plan G with deductible available instead. Or choose from other medigap plans like N
Call our Office if you are Going on Medicare for the first time. 1-844-552-7426
12:34 - Please name some of the companies you have issues with and what those issues are. That would be MORE helpful than just naming the companies you like. Thanks.
I was told - by a broker - that once I signed up with united health (as an AARP member) I wouldn’t have to renew my membership next year i.e. - united health would never know
@@djv.8424 That broker is not very ethical.
I don't think AARP and United Healthcare Insurance company are one in the same. AARP only advertises for United Healthcare and the other companies that are with AARP. I was an Independent Agent for many years like you. A Chartered Life Underwriter and Member of LUTCF for years. Now retired. People need to contact an Independent agent to get all of the facts concerning Medicare supplement policies, Medical Advantage policies and other Insurance related products. They can shop your needs with dozens of companies and get you the most for you money.
@@djv.8424 AARP has no say over your medicare choice. You do not get a "special discount" from them. It's all standardized by law. Open enrollment begins in October. You are free to choose/change your plan with or without AARP.
I’m on Social Security and Medicare. The thing that happens is yes we got a three point whatever percent increase last year but my Medicare part B payment also went up by $60 a month more than my cola so I actually took a $60 a month cut. I literally made best decisions when i started working with an advisor..
I hear you; it's tough when COLA increases barely keep up with rising costs, and with Medicare premiums possibly going up again, it could feel even tighter this year. Having an advisor on your side is a great call-they can help you navigate these changes and make the most of what you’re getting. Here’s hoping for some better adjustments soon!!
Totally agree. A good financial adviser is a game-changer. My portfolio is balanced for all market conditions, and it has returned 120% since early last year. My adviser and I are now working toward hitting a seven-figure goal, which could take another year._
That sounds interesting! Could you share the details of your adviser? I'm urgently in need of one.
My CFA Julianne Iwersen Niemann, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I just looked her up, and her credentials are impressive! I've already reached out and scheduled a call for some guidance. Thank you!
My Dad had tens of thousands of medical bills including heart surgery, intensive care care after a brain bleed, multiple hospitalizations, intensive rehabilitation in hospital and they paid almost everything except for stated copays. Sadly my Dad didn't survive but my elderly mother was not saddled with any medical bills. It was wonderful. We were so thankful
Thanks for sharing your story. Sorry to hear about your dad. The only good thing about that situation is you didn’t get screwed financially from an insurance company.
There is a reason things are confusing . Its by design . Take care of your health !
Do you think American healthcare is twice as much as the other countries in order to pay the doctors really well, so they can justify their expensive education…….the American dream kinda….?👽🐉
I have AARP/UHC. So far so good. I dont like that their customer service center is located outside of the US. The reps are good but I dont like that US corporations do not support US workers and take the cheap way to optimize profits.
Where is it located?
If outside the US they lost me as a customer.
I called yesterday and was talking to a lady in the Philippines who I could not understand and hung up on! @@markmccrimmon8479
I absolutely agree.
Don't worry. Customer service will be all AI bots in a couple of years 💁♂️💁♂️💁♂️💁♂️💩
United health raises rates faster than their competitors since they give you a new member discount when you sign up. Their community rating is very deceptive.
I tend to agree… especially in a lot of states.
when you use traditional medicare as long as a dr accepts medicare part b then al dr will “ accept your medigap plan no matter if the dr accepts thst plan for regular patients , so the rule is any dr who accepts medicare part b will bill medicare 80% and whoever your secondary ( medigap ) is they will also bill them for 20 % .a lot of people make these mistake amd ask a dr if the accept the medigap company . the only question you need to ask a dr is do you accept medicare part b and then they must accept and bill your medigap in this case aarp( well united )
This is true. Appreciate your comment
I would always choose a Suppliment plan over a Medicare advantage plan! If your not well educated on the plans it's enticing to choose an advantage plan for the low or no premiums but it's effectively a private insurance not original Medicare and because of this your doctors may be dropped from the plan at any time and you may be denied procedures at the insurance companies whim. Get educated before you choose plans!
You are a elitest MORON . Unlike you!!! I have both AARP Advantage plan and 100% VA. I get to choose waaayyyy beyond you. The Advantage plans rock.
Not everyone can afford the premiums for supplement .
Thanks! I've heard that too. I'm about to sign up and switch to a Supplemental plan. With having to do the underwriting.... There's so much to process. It's mind boggling to say the least. 🥴
@@Rightiswrong-qv5ulI'm thinking of it this way. It may be more expensive per month, but if something bad should take place you are free of high expenses being on an Advantage HMOs and too doctors can drop you at any time.... I've heard horror stories. This is a painful process I know. I hate it!!!
@@Rightiswrong-qv5ul They are reasonable and they pay for what Medicare doesn't !! Long run, cheaper. Just no to Advantage !
My wife and I are very pleased with our United Healthcare supplemental to Medicare. We looked at an advantage but they are not accepted by all hospitals.
AARP has great plans and great PRESCRIPTION plans. They pay for what they say they cover. No hassles and if you call them they are NICE and very responsive.
I could not be more satisfied with what I'm getting.
i keep reading how many commenters say AARP has great prescription plans. That has never been the case for us. I wonder if it depends on your state? is there a way to find this out. I am in Ohio
@brin3m, unfortunately Advantage plans do vary state to state, one of the real disadvantages vs Traditional Medicare. Another disadvantage can be if you spend extended time in another state and need medical care.
@@brin3mdo you have advantage or medigap? I am in Ohio with advantage plan…looking to go medigap for 2025
@@brin3madvantage plan does have the xtras
Looking at AARP Plan G for husband. Price difference for Plan G is $108 yearly from Blue Shield which he's currently on. That alone helps pay for his Part D.
I would rather pay more if I have to become a member of AARP!
Membership is really cheap and they have tons of information on their website and through their app
aarp is corrupt but they got in early and are the leader. follow the money honey@@Hbd2002
@@Hbd2002 AARP IS MARXIST
@@Hbd2002 it's a political thing for some, unfortunately.
Everything is political @@ChristopherRuhmins
I notice a lot of car insurance companies do the same thing. Give you a low rate to hook you in and then raise your rate every year
Sounds like Comcast
Auto is different. So many variables: age, sex, tickets/violations, claims, vehicle, coverage limits . As for age: You’ll notice age 16-24 prices will be high & gradually go down. Age 25-55 you’re in the age sweet spot. Age 56 as you get older will gradually go up. Thats because those ages have different loss ratios.
wrong - the will hook you in but hope to keep you from looking elsewhere. USAA screwed me for decades, Allstate is about to get a sAD STORY.@@noelc2
@noelc2 Yea it's different. I got older, my car's got older, driving record still spotless. Rates went up - even with loyal customer multi-policy discount.
The Inspector General published a study (April '22) showing that 13 percent of the requests for treatment that were denied by Medicare Advantage Organizations (MAOs) such as Humana left patients without treatment or payment for treatment all while those requests otherwise met Medicare coverage rules and likely would have been approved for these beneficiaries under original Medicare (a.k.a. Medicare fee-for-service). Patients were denied, but the MOAs profited. This is what is wrong with America's "healthcare" system; The system is not there to serve the people, but to make profits. It should be renamed the insurance company profits care system because that is exactly what it is and how it is structured. How sick that Humana plans to make $74 Billion this year of of the Seniors "(dis)Advantage" programs alone. There's no mention in the article of the number of Seniors forced to go without treatment or to declare bankruptcy as a result of these profit-care systems.
So right!!!! CORPORATE GREED!!!!!! and its rampant!
Love the long comment. Appreciate the info
Advantage plans are like gambling with your health.
Advantage made 27 billion
Actually another independent broker posted a study that said with data up to November of '22, Medicare Advantage had refusals of 5.8% compared with all other payors (non-Advantage) had a rejection rate of 3.8%. So, a difference of 2 percentage points. They said there was one MA provider that had a refusal rate of 13% as others had refusal rates of 3%. But it is not all Medicare Advantage by any reality. And at the same time, Medicare literally has an unfunded liability approaching $100 trillion. So that ain't gonna be sustained no matter what.
My spouse and myself both have a plan F with United Health and I would never ever give it up!
Nobody can get plan F anymore & it is very expensive. My dad has it.
I went on Medicare the last year F was available. I could have gotten it and been "grandfathered" in, but the extra premium over G was twice what the Part B deductible was! Didn't make sense, so went with G. I haven't used it, but my wife has. Very happy.
Lucky you. I'm just qualifying in 2024. No plan F available to me.
@@RG-hf4etI live in Georgia and have had United Healthcare Plan F since 2012. It’s very expensive. It costs me 287.75 a month. You’re never supposed to receive a bill from any facility. I receive a bill from a local hospital. I have tried to tell them to check a Medicare 2024 Plan Book for all Medicare Plans and read people on plan F is never supposed to receive a bill. They still don’t get the message. I don’t have any copays or deductibles.
How do you avoid joining a Medicare Megigap plan that will Close Book / Dead pool their plan in 5 or so years? Leaving the older and sicker people on the plan, since they are unable to change plans due to medical underwriting. Paul
Mutual of Omaha, Aetna, Cigna, etc are notorious for this! I heard that BCBS, State Farm, UHC, and USAA don’t.
Thanks for your video. I recently met the deadline for getting a medigap plan. I'm in Georgia and asked about AARP United Health but in my area I think they were higher priced than some other companies and I was told that their rates increased faster. Wish I had seen your video before my deadline to enroll in a supplement plan.
I believe you can change next year.
I use Blue Cross Blue Shield of NC for a supplement they never disappoint. I also get a gym membership at a discount for $10 month thats all I pay.
Check out Blue Cross Blue Shield of Georgia for a supplement.
They dont really go by State they go by Zip Code
AARP UHC / raised prices so high on us - we had to bail - get away quick . All of U will find this out too . Sad thing is U must change plans before your health gets bad or U maybe stuck .
A few clarifications: 1. It's a dental, vision & hearing discount plan, not insurance and this depends on the plan, they offer two in most states. 2. The AARP membership is only required at sign up, you do not need to keep it in the future. 3. HDG is being introduced in select states starting 6/1/2024 with AARP UHC. 4. AARP UHC is bigger than the next 3 carriers combined.
Medigap plans AARP United Healthcare has the most market share. In NJ good to also check out BC BS Medigap plans. Also good if broker can tell you a company's rate hike history. I have United Healthcare medigap Plan N, works for me. Others I know have plan G.
I'm afraid to retire too expensive I pay 65 dollars a month for major med doctors dental vision for the whole family....teamsters are great
love Medicare and AARP plan F
Thank you for posting this helpful Video! I really appreciate and enjoy your channel.
Maybe a video on which switches require underwriting and which don't? And how picky is the underwriting (exam required? would high BP rule you out? Etc.).
🤷🏻♂️ maybe
we have Medical Mutual Medicare Supplemental. it has covered everything and paid on time. Cleveland Clinic and University Hospitals here in Cleveland have been pushing 2 advantage plans. we have been refusing it and telling our friends and family to not buy into the sales talk about those plans. what worries me is that two well known hospitals here are pushing specific insurance companys policies. Are other hospitals doing that anywhere else? Are hospitals going to be owned by insurance companies?
I am a 68 year old living in California. I paid in advance for a five-year AARP membership - very inexpensive and has lots of discounts. My AARP UHC plan G gives me free membership to Club Pilates, Orange Theory Fitness, and 24-Hour Fitness - all of which I go to. They are all expensive clubs and I get to go for free. This is a great health benefit. Much better than “Silver Sneakers”.
Are really able to attend each one? I thought we could only choose one gym?
How did you sign up for them?
@@patrickmanley4943 They give you code, see my other response.
Don’t choose a medical insurance plan based on health clubs. Omg.
I use BCBS because my doctor suggested it. I get MRI’s yearly. I am on plan G.
Nothing wrong with that
I live in Washington state and one broker I contacted says he sells more Medicare Advantage plans compared to Supplement plans in our area. He says they seems to work “better” in our area. I told him I really want a Medigap plan.
Beware. He also makes more commission with advantage plans over supplemental. It's a shame this is all so confusing. It's for a reason it's not looking out for us.
Yes, they really work good for him. Don’t get sick, because when you really need good insurance and want to come over to medigap, you are screwed because they likely will not accept you.
Also in Washington State, and most Medigap policies do not cover rural counties. The ones that do are twice as high as the prices shown in the video.
@kathymclaughlin - because as said above, your agent makes MORE COMMISSION on an Advantage plan VS. a Supplemental plan. They get cars, vacations, etc. My agent got a new car. Beware. I have a Supplement plan - G with UnitedHealthCare. All plan G plans have the same coverage no matter who you choose. See what your hospital & doctor take.
I am in wa state also and going with plan n I suggest looking into a cost analysis over time when comparing plans f and n a true analysis sadly I don't think this channel does a thorough or totally upfront I also think the person you spoke with was full of it that was a crock of 🙈
My aarp/UHC PLAN N is $159 a month. Central Florida
As a medical equipment provider, we stopped taking AARP complete because of horrible reimbursement. Another sneaky thing that happens is that if you are contracted with UHC, since their reimbursement is less than Medicare (Medicare is horrible), they will not pay their secondary claims because the Medicare is higher reimbursement. Almost every client that I see that switches to AARP Complete does not understand that they are no longer Medicare but an HMO insurance plan. I am starting Medicare over the next couple of years and will DEFINITELY keep Medicare as primary and get a supplemental and I guarantee you it will not be anything related to UHC.
An AARP Advantage care plan is not the same as an AARP supplementary plan.
I personally would never get an advantage plan.
@@sct4040 I am saying I would steer clear of anything UHC. I also agree, would never have an advantage plan either. Just my opinion after working with and around them with other patients for 22 years.
@@Liam69400 I am on UHC medigap plan G and I love it. I have had no issues.
@@Liam69400my mother had Medicare and an AARP medigap plan. No problems. Rarely anything out of pocket. Sounds like AARP Complete is an Advantage plan, two very different things. If you buy Plan G through AARP or any other company, by law, the baseline coverage MUST be the same.
I found UHC sup raises their premiums faster on seniors as they age compared to other carriers with subscribers that are the same age.
My husband had to use the ER in Tufts Med Cter in Boston in June, and again at Lenox Hills Hospital in NYC in July. I was shocked that the bill charged to the insurance from Lenox Hills was twice as much as Tufts. That’s ridiculous, he went in to both for the same reason.
Small time crooks wear hoodies. Big time crooks wear lab coats or suits.
yes, the whole world of it is a scam@@tgriebe
Pencils cost more since the chinese/farci disease
I went through three separate round of injections into my spine for a disc issue. The first round cost 2K, but sadly, weeks later when I needed my second round I had to see a clinic that charged 15K!! Same exact procedure!!
Location, location, location, higher cost of living in NYC
i have uh for 12 yrs, great reps and never a problem!!!
Is this a paid endorsement😮
I had this plan last year and was told it was no longer available. I went back to United Health care again before I heard that Advantage plans are notorious about denying coverage, especially in hospital stays. I didn’t know about medigap plans when I retired in 2008.
Its all about Medigap plans
Husband and I have had United Health care for over 2 years now and have been very happy with it, but the cost is getting crazy. Were in Pa. and in 2024 we will pay $240.00
Give us a call 1-844-552-7426
The premium goes up every year,hey AARP we’re retired living on checks.I’ll definitely be looking this fall
Folks, Brian, Mike & their team are great, patient to explain things and help everyone understand the process and which companies are good in their area. No, I'm not being compensated in any way. Give 'em a call.
And, one word of caution, as you study getting Medicare coverage and supplement/gap plan, don't dawdle, as you approach 65. Good ole "dot gov" can be confusing, so start early and just know that the Social Security offices can be really busy and hard to schedule, in the time period you need, so suggest you don't procrastinate.
I could not get any information about Medicare from Social security person. All she did she signed me up for part A and B . Now I have to look for the supplemental plan .
@@Zoe-ot5kp I've been disabled since '08 and I'm only 54 I never had to pick up part D they did that for me but I can see I need to start looking is that the truth
Financial stability of the provider is what I looked for in a supplement plan. Will that company be there in the long run?
Good point. But there are many financial stable companies including Aetna, Humana, Cigna etc.
@@medicare365
Ace property and casualty is backed by Chubb and is $114 per month and rated A++ for plan G but is new to Medicare .
Your thoughts Brian ?
My BCBS ACA plan sent me a letter saying they are being bought out by Aetna in 2024 and premiums are going up 20%. That’s a large height. Fortunately, I will turn 65 prior to the year end, and will be on Medicare before then. 😊
I had a doctor a decade or more ago who started declining Cigna because they took 6 months or more to pay. They were terrible!
AARP kept sending me mail. I kept trying to figure out what they were really offering me. All I came up with was that they were a gimmick to try and sell me multiple types of insurance. When I did some research on out pocket benefits with my Medicare they didn't win, another company did.
Should have called us 😳
Victoria what company did you go with?
United Health has taken over clinics in our area called Optum. It drove out Regence Blue Shield. Hundreds of thousands of people lost coverage. I almost lost Premera coverage, though Supplemental Plan tends to be better with negotiating contracts. United Health has bad reputation here in this town.
AARP United health is a great plan! It is worth EVERY dime for the money it saves in copays ….I am VERY happy with this plan in Maine.
Deductibles, co pays, etc. are based on income. I'm on disability and have to pay $125/mo in premiums and then 20% of all of the other medical bills except scripts. I have about 8-12 meds and more drs than that. I've canceled a lot of dr appts and procedures because I can't afford it.
Is this also a paid endorsment
They have absolutely nothing to do with the copays, etc. That is controlled by Medicare, and all insurance companies MUST offer the same payments for the each plan. AARP ONLY controls the monthly premiums.
what is the assessment of AMAC instead of AARP?
Ye Gads, Brian!!! I wish I'd known about you 2 years ago when I was drowning in the Sea of Supplement Plan Confusion! Fortunately, after months of research, I ended up with the AARP UHC Plan G!! Needless to say, I've now subscribed to your channel. Great work 👏🏽
@n.c.467 When I get older I don't think I want an insurance company to decide whether I need a surgery or not and I'm disabled so I have to have part D but anyway I'm on a one-year try all period you think Medicare put you in the best there is so am I wrong I've been having problems with UHC but what I don't know is what is Plan G do you got to pay money for that?? I have to sign back up before December 8th
Just with the medication part so far if I get bills in the mail I throw them in the filing cabinet that's the garbage
@@sfar1778
Its available in my State of WA, but premium was way too much.
Good to know.
Heck with the gym. I would like a veterinarian discount or a dog food allowance 😁
Oh yeah
The company I retired from is doing away with the medicare reimbursement feature for retirees next year and will be offering United Healthcare Advantage PPO which is supposed to be comparable to most plans. I'm kind of worried about the phrase, Advantage PPO. That sounds contradictory.
So, I asked my dental office today after my office visit about United Healthcare coverage. They said they won't pay as much as my present insurance company.
Do yourself a favor and skip the advantage plan you will thank yourself if you ever get in a bad way. I did. lol Medicare doesn't cover a dentist but a dentist is a lot cheaper to pay than a hospital.
@@akita96th it's an advantage PPO so doctors who accept medicare should accept it. The company I retired from had a spending account in my retirement years so it was up to me on what insurance I wanted. They are eliminating the spending account and going with United Healthcare Advantage PPO. The plan will have medical, dental, vision, etc. I took a quick look at the cost and it's a little less per month but I heard that it covers a little less, dollar wise.
In my area UHC (our insurance - thru an employer plan) and I have found some doctors & hospitals announcing that they will no longer accept UHC patients/insurance, resulting in changing provider or higher charges. Sometimes it gets "settled" but recently I had a surgery that cost more than quoted because I was out of the "plan" (or something like that). Does this happen with Medicare? I have often found that using the insurance cost to determine the company sometimes isn't the best option..
This cannot happen with Medicare supplement plans.
Many people hate AARP politically… but they have the best coverage.
I had my mother on it.
AARP is not an insurance company. They are a membership company.
True
AARP cost me $15 per year (for both me and my wife). That''s a big Mac combo. It is a huge plus to be in their system, yielding many options and while funding the most powerful advocate for seniors in America. It is nice to have someone speak for you in Washington, fighting for lower drug costs, continued access to Medigap, fair social security benefits, etc.. In my case I also picked up the best dental insurance I have ever had with DeltaCare, costing me $33 per month with lower costs out of pocket for everything.
Thanks for the info.
Thank Brian. This helped a lot
Appreciate it
The issue of course is what happens to the rates as you age.
Thank you for posting this helpful video
Appreciate you sharing
What do u think of UHC ptC plans vs BCBS plans ?? pros cons .. which comp u like better ? best?
I'm stuck which of these two to pick from use for ptC choice.
Can you discuss Community raying vs age rating? I think AARP-UHC is community rated and appears more expensive but AARP gives a discount that decreases over the years and basically everything equalizes
Age rates plans apparently can move groups of new enrollees into a “block” which is spun off into a subsidiary and closed to new enrollees. Apparently this happens every 5-6 years.
Once younger enrollees are no longer being enrolled in the block, rates can skyrocket and then the healthier enrollees can seek a cheaper rate with a new company if they pass underwriting. That leaves older/more unhealthy people in the block so rates really go up and you are stuck.
Community rated plans do not block people off like this by age. It’s all one big block so you get the benefit of younger healthier enrollees the entire time. It’s especially beneficial for much older enrollees in their 80’s but may cost more when you are young. I know Mutual of Omaha had a 50% rate increase one year and since I hate surprises, I’m going to end up with United Healthcare which is the only community rated plan in my state. I don’t want to be trying to pass underwriting down the road if my supplement becomes too expensive even if the rate is a little higher now.
In Travis County, TX, Renew Active at United Healthcare / AARP costs $30 more per month for the benefit.
Thanks for sharing. Good to know
I switched to Aetna's MA. AARP UHC MA 2025 cut eye, dental, OTC benefits and raised the out of pocket from $4900 to $6500.
Excellent information, thank you.
Appreciate the support 👍🏽
You mentioned in the presentation, that UHC requires a membership fee of $16.00. I was told that it is required for the first year and you get the AARP magazine, but you can cancel this $16.00 fee after the first year. I haven’t done this yet because, although I never thought that I’d enjoy the magazine, I do like it. Be sure to ask about this fee when you are considering joining UHC. Also, I have access to several gyms including Club Pilates and Lifetime. Lifetime, where I live,is over $300 a month for regular membership. I pay nothing, but there are some restrictions on available times of day. The have social activities and ARORA classes such as yoga, pilates, aquatics, that cater to over 55 people.
I have AARP with their Dental which as you said is standard.
I also have a Delta Dental plan that I had previously. My AARP goes into effect on Jan 1, 24.
Can I use my Delta Dental as a co insurance?
Yes. I have 2 dental insurances. Which company should not matter.
I just gave up AARP United Health Care -- they kept raising there rates - can’t afford them anymore .
I’m in North Carolina. Does United Healthcare still price their plans using a “community rated” metric? Years ago I helped my father in law switch companies when we moved from
NY. When I looked at the supplement plan pricing on the NC state insurance department website, every company was over $400/month for a 96 year old man, except for United Healthcare, which was less than $200. The reason was that UHC based their rates on their entire policy holder database, so older people got the benefit of being in the same “bucket” as 65 year old newbies. Is that still the case?
Yes. I'm in NC and will probably purchase a AARP UHC supplement plan soon . UHC is the only company I know of that has community rated premium prices.
Nope....BCBS In Minnesota is community based and I'm 76 yr old female paying $288 for plan F....
Question: If I start Medicare Plan N or G in a high premium zip code but move to a lower premium zip code, will my premiums be adjusted accordingly to be lower?
I have Freedom Health Medicare Advantage plan in FL special Needs. Is this a good plan?
Would you mind sharing which software that is? Or did you just manually add them all to an Excel sheet? (I am an agent). Thanx
But each year or so the companies will raise the premium price of the supplement plan you are. Do you take into account which insurance companies are keeping the premium price increases lower over time when you consult with your clients?
nice vid Brian.. u guys brokers get a commission $ from MC? or sthing right? whenever u get a person to sign up for any MC plan whatever it is.. you get some credit sthing from thru MC right ? how u make a living.. right?
You sound smart honest and curernt on it all so so confusing.
thx fir doing vids great channell
Thank you so much Brian for this information your the best
Glad it was helpful!
Confused only on one point you mention...on the one hand.....you (correctly) say all plan "G"'s ( for example) are he same and give you the same coverage....yet...on the other hand, you also say UHC/AARP offers "Supplement" plans that ALSO include some sort of basic eye care and dental benefits.....how does this reconcile?
It's not actually insurance, it's just discounts that are accepted by the companies.
@@winfidel ....missed the point I make. The SUPPLEMENT plans are ALL goverened by law to be the SAME coverage, within a certain letter code category. For Example ...all "G" plans...from all providers.... are the same as determined by law. How can one suppplement plan offer more or less? It's set up to be the same coverage by all providers....you just price-shop the various providers.
Health care for profit in America is just stupid !!!!
It’s Wicked that’s what it is…
I agree and the doctor's should be forced to work for free...NOT !
We need fascism now! Even more than what Biden is giving us!
@@Mr05Chuck Obviously you don't understand what fascism is. I suggest that you look it up. You will see that Biden is the farthest thing from it.
@@AndyB718 Of course not. Doctors in countries with universal healthcare do not work for free. They make good money. In fact, doctors are not the driving force in our expensive, for profit, health system. It's shareholders, lawyers and insurance companies. One of the easiest ways to start lowering costs would be change our current piecemeal system to a set price system of billing. Instead of you break a leg and get bombarded with fees: ambulance =fee. ER=fee. ER doctor= another fee. X-ray and radiologist=fee. Hospital=fee. Orthopedic surgeon =fee. Nurses=fee. Hospitalist (doctor making rounds)=fee. Pain meds/hospital pharmacy=fees. Doctor checkups=more fees. Durable equipment (crutches/orthopedic boot etc.) =still more fees. Rehab/physical therapy= fee!!! A better system= broken left femur =one fee, posted and available for anyone to see. All inclusive. Of course, some would require a bit more, others less, but it balances out. No surprises. No fees from doctors you never met. Next, get the profit out of healthcare. Doctors and nurses should make good money, but anonymous shareholders shouldn't be buying new yachts because you have cancer! The primary concern should be you getting better, not them making money!
When I went on Medicare two years ago, I wanted to stay with United Healthcare, which I'd been with for many years through my former employer. I learned that UHC was only available through AARP, so that's what I used when first signing up. I don't like AARP's politics, so when membership renewal time came around, I didn't renew. Here we are two years later, and I still have Plan G coverage through UHC, but I don''t have AARP junk mail cluttering up my mailbox every week, and I'm not paying membership dues to AARP, either.
AARP is a political left wing socialist group but I could not sign up to UHC without membership. And for some reason my state AZ is expensive for plan G.
Interesting. The United Healthcare supplement was $2/mo cheaper for AARP members in my zip code, so I signed up. I don't care about their politics. However, I won't go out of my way to purchase a My Pillow, at the same price as other decent pillows.
Thank you, Brian! I got AARP/United Healthcare because of their low premiums. Name recognition was a bonus. I saved even more by skipping the gym and vision care, which I don't care about. I could have saved more by having another member in the household, but not the case. It was a no-brainer. You can save even more by signing up for electronic auto payment, which I highly recommend. At the end of the day, I'm paying less than $100 a month for regular plan N. Not bad. I've already been to a doctor, and they accepted the insurance AND no copay. Hope the trend continues! Imo, men should have facial hair. As you can see, I have a moustache. But to each his own.
Appreciate the long comment. Glad you got a deal. 👍🏽
Did AARP tell you medicare would be cheaper through them?
Woe--$100! In my state/area, it's more than double that for N.
It all good until you get sick...Better pray you dont have heart problems or get cancer ...Those plans will fail you....
@@akita96th Medicare Advantage is garbage. Nobody should sign on for it unless they have absolutely no other options.
In my area Aetna Medigap Plan N was much less than AARP. I pay $105 a month. I have yet to have a physician charge me a copay for a visit in 3 years.
Love Aetna
I'm about to get Medicare. The agent tried to sell me AARP United Healthcare. When I had simple questions about it, the agent figured out I understood the product they have is not cheap so...the person never contacted me with answers 😂 My question was, "so I have to get Medicare B with $160 something per month and then yours $120 something per month?"
My father just signed up for Medicare through Aetna and it was much cheaper than what AARP charges. I really think since AARP is more widely known than some of the others because they advertise so darn much. They have to build all that advertising into their prices.
Your paying twice 😂😂. U paid when u was in work force lol now ur paying again 😂😂and
@@michaelmayo-vb5fl It's just sad what they done to seniors. And then they want to tax those singles who works over 25K and over 32k for married. The higher their tiny provisional income is... it could be taxed up to 85%. Then throw (cola) pennies at seniors for inflation adjustment, what a joke.
aarp is a strong organization to help support senior interests about medicare
A strong corrupt organization with no concern for seniors. Its a money grabbing business. Profit before people.
I'll be 65 in Dec. Thinking of UPMC Adv & Medigap. I talk to people who like Adv, they are healthy. Begs the question, what happens when they become unhealthy. I talked w/a lady who is 66 with a situation. she luvs her $39 UPMC HMO. She was in a care facility for 6 weeks, never saw a bill.
Can anyone explain what's going on with Medigap plans in Wisconsin? There is no Plan N or Plan G, and it seems like you need to add all kinds of riders...maybe.
Wisconsin has its own plans. Call us 1-844-552-7426
AMAC is an AARP alternative. Are you familiar with them & the insurance companies they work with?
I am familiar with them but not the insurance companies they work with. Please let us know in this comment. Thanks!
Thank you
You're welcome
What's the best way to find a Medicare agent/broker in my area? How do I find one?
Call my office. We are nationwide. Local isn’t always better.
Your'e a bad man ! @@medicare365 ruclips.net/video/12BbI-kmrpI/видео.html
I thought I had all this A, B, F, G stuff figured out. Then I found out that Wisconsin doesn't do all this alphabet soup. I'm back to square 1.
Went directly to U H C for healthcare and their price was $ 80/month MORE for a lesser plan with MORE deductibles than going through a broker.
Dealing with ANY insurance company is a crap shoot and you'll NEVER win.
Its all about the brokers Norman!
AARP only sells one plan in minnesota and that is the extended basic which is the G plan. There is no N plan or high deductible. I also do not see the dental, vision in Minnesota.
The G plan is $255 in minnesota also known as the extended basic.
Minnesota is a totally different ballgame. Thanks for the comment
Totally different ballgame...can you elaborate?
@@bcoldwell1 Bunch of weirdos live there.
Well the savings are trickled down to you. Unless you don't mind paying more so these companies use us based customer service.
Hmm 🤔 I’m confused by your comment?
@@medicare365 Because labor is cheaper in certain countries, USA contracts with call centers overseas. That's what I think poster meant by comment.
Are you taking into consideration that you need to join AARP to ger United Healthcare?
An extra one-time $12 right now. You can quit after you sign up.
AARP United is jacking premiums up 50% or more. Mother in law's premium was about $210 and is now $318. AARP RX went from $11 to $98 !! This is 30% of her SS she gets per month. It's outrageous !!! We are looking at moving to Plan G but she has dementia so I am hearing the underwriters will probably deny her. (and here we thought denying for pre-existing conditions weren't allowed-I guess that was just on ACA plans)
When I became medicare eligible, I opted for Plan G and Plan D through UHC and very pleased with it. My vision and dental are covered by my retiree benefit with my employer. Have no desire to enroll in an advantage plan.
same here. i was even able to enroll my husband on the vision and dental through my retiree benefit.
I had United Healthcare and I got a letter from my local doctors, saying that I might want to look for a new plan because they were not bargaining in good faith and that as of February 2024 they would not be seeing any of their United Healthcare patients anymore. So I left and I got Blue Cross Blue Shield so I lost all the benefits that I got with United Healthcare say like the gym membership and I had to pick up a writer for dental which cost me another $50 a month. I'm very nervous about going back to United Healthcare AARP advantage plan.
Check out another plan
Advantage plans are different from Medigap plans. Although I do hear good things about BC BS.
How do you get compensated?
AARP UHC plan F part D double the price this year in 33702 Fl!!! How come. I love your videos
"plan F part D" makes no sense. Plan F is part of a medigap plan; Part D is a totally separate prescription plan.
Oh my gosh. So many people don't understand the difference between AARP UHC Supplement verses AARP Advantage ( more like disadvantage ) plans . Supplement Plans any Doctor - Advantage Plans limited doctors ..
Sure does make things confusing, doesn't it?
Lifetime fitness - YES!
I'm confused about excess charges coverage.... I thought plan G covered "excess" charges... I have AARP/UHC Plan G.. does it cover "excess charges"?
AARP has two increases per year. One of the highest rates.
I agree. Watch for my next video
Do you have any advice for postal service retirees that will have to take medicare B starting in 2025 in order to keep their federal health insurance?
You’ll have to talk to the Union if you have one. Or someone from HR.
I have Plan G through Excellus BC/BS but it's more than doubling in 2024; Broker recommended AARP but said they don't take phone calls from brokers and I have to call. I'm nervous I'll get conned into something. I have to get monthly eye injections; do they cover Eylea injections?
I have AARP UHC but it is an Advantage Plan. Can I call them and convert to Medicare supplement G? I have Medicare A&B and the MAP.
You can change to a Supplement part G, however, you will mostly have to go through underwriting. There are exceptions where underwriting is not necessary
You are going to LOVE Biden ones you know he did with the Part D 2025.
Mutual of Omaha is generally the best and lowest price. I think most of the AARP plans are UNH Advantage Plans. Advantage plans are slowly exceeding supplement plans in popularity. They both work. It's simply based on a person's risk tolerance. That explains all insurance.
Disadvantage plans are being investigated by the government right now for lying to the public
AARP/United Helathcare have both plans, Advantage and Medigap.
@@kathys53 I know. I pretty much know all the plans. Mutual Omaha is generally the best option for a supplement. But it depends on where you live. UNH is far and away the best for an advantage plan. But only pick a PPO.
Research Mutual of Omaha Plan N around 2013. You might think differently.
@@medicare365 My wife has had a Plan G for some years. Mutual of Omaha has always been the lowest price. I have elected to use an advantage plan with UHC. I have had it for 10 years. I have literally saved many thousands of dollars in premiums. It's that simple. Advantage plans are great but again it's based on what risk you are willing to accept. That's all insurance. Life, property or health are all the same . You elect the risk you will accept versus the insurance company. This also applies to anyone's life in general.
i have them for 2 months untill im 65 i may stay with AARP United health care!
Call us. You can get quotes on all companies in your zip code. 1-844-552-7426
To be clear, the free YMCA membership is only Base level, a $29/month value. Looks like I'll have to pay $25/month extra to get access to the swimming pool. Also, you don't have to use the YMCA. AARP lists other gyms that offer similar discounts.
Yes sir.. all in the details
10 bucks at Planet Fitness, they are always running many specials around Christmas and the New Year.
I'm an MPH in Integrative medicine. I refer to ALl Medicare supplement plans as "Medicare Disadvantage.' Nuf said. Thank you for bringing light to this subject.
You’re confusing Medicare
Advantage (which is neither Medicare nor an advantage ) with Medicare Supplement plans - which are original Medicare just filling in the holes
@@irap1269 which makes me wonder how someone who claims to be an "MPH in Integrative medicine" doesn't know the difference between a Medigap plan and MA.
@@ssa8479 plus he barely explained what he was talking about?
My supplement is with Mutual of Omaha. Will United’s premium be less than another’s? Does United offer more perks using part G than others?
A Gym plan is like preventative care. Healthier seniors don't cost the insurance as much money.
as a senior i walk at the mall, the parks or in my neighborhood. I do stretching exercises at home. if i need socializing then maybe i would go to a senior center that has silver sneakers (which is free with most supplemental plans now) or socialize. You don't need a gym to get the same benefits. I will admit that some people prefer to use a gym for their own reasons. Most of us don't.
I like Plan F. Any comments pro/con?
If you have Plan F you are grandfathered in. No plan F for new subscribers ... now plan G with deductible available instead. Or choose from other medigap plans like N
Eventually the F plan pool will continue to shrink since they discontinued it. Less people funding it will result in increased premiums.