This was the 2nd of your videos I have watched this evening, and I have learned far more in an hour than I had learned to date in total. Thank you, thank you, thank you!!!
I really want to thank you for this info. I’ve been confused about the whole process and your video cleared up much of the confusion. I especially find your presentation style a breath of fresh air. This is the first video that didn’t have my eyes rolling back into my head and tuning out!
Thank you Tom. I have over 40 videos on Medicare and am adding more in the next couple weeks. If you subscribe and look under the New to Medicare playlist I think you will glad you did. For Part D, I have videos and more here: See my recommendations for Medicare Part D here: partdshopper.com/
I am a recently retired physician looking to go on Medicare soon. Your videos are very well done and informative. I plan on watching all of them. Thanks for your knowledge.
Can't wait to turn 65. Which is 1 year away from when that time comes. To call Matthew Classes..He really explained how medicare supplement and Medicare Advantage works. Thanks Matthew . Now I Know finally who to call when that time arrives .
Thank you Matthew. I saw this over the weekend in December.and was in shock. I was alarmed to be convinced and fooled by experienced agents into a false security of an Advantage Plan, and I no longer even had a Prescription Plan. By Monday morning I called your team. They helped me choose and apply at the right time to get out of the wrong situation. I would have been there for years, who knew?! As of 1st February all changed, I'm in a HD Supplement Plan G and a Prescription Plan. So much you taught me, I can't thank you enough for your honesty. and teaching clearly without me getting confused and overwhelmed.
I appreciated your advise re: the selection of a supplemental insurance company, i.e. a company with a history of being a Medicare supplemental insurance company for minimum 5+ years, A rating, and a pricing stability.
Going into my first year in Medicare was very difficult due to the difficulty understanding how it works along with how the Advantage & Supplement Plans work. I've learned a lot from your video. Thank You.
I really appreciate that MR MATTHEW explains MEDICARE throughly in depth without any string attached at all.GOD BLESS YOU AND YOUR ORGANIZATION FOREVER IN LIFE !!!!! GR8 work done by you.
I want to thank you for your information, especially the risks. I am overwhelmed with all of this. I will be calling you soon. After watching your video I realized I was going to make a big mistake. I aprreciate you and your free service. Thank you again.
I have viewed your video's for about 2 yrs and i have learned a lot from you. I am 65yrs and still have not retired, but when i do i will absolutely contact you . I live in NYC and will need your guidance . Please keep up the informational work you do. Thanks.
Great channel!! Finally, I understand some issues that I have had for a couple of years regarding supplemental insurances. Like I said in the beginning, absolutely awesome channel. I have to thank you so much for being a very caring man that explains things about Medicare options in such a way, that regular people can understand.
I so appreciate the calm, evenly modulated tone in which you present your very clear, concise content. Thank you for the time and effort you put into these excellent videos and helping us all navigate what are for many uncharted territory.
Excellent video. You take the time to carefully explain the information, you don’t rush through it and that’s why I’m subscribing. I will be contacting your office for sure.
Thank you for explaining what we need to look at when picking what Insurance company to consider and why. Turning 65 this year and know that I have to look at a company not now but consider the future. Your videos excellent and break down by explaining details. Thank you watch all his videos, you will not be sorry.
I've just watched four of your videos and needless to say I am very impressed! You've explained everything so clearly and easily to understand! Thank you so much!
You are welcome. Please reach out to us if we can help further or you would like my recommendations. I would love to compete for your business. 800-847-9680
Nicely done! I’ve been doing this business since 1980 in Wisconsin. You hit most of the points on plans and pricing and business practice. I have only 2 points you could add. You present like I do. Glad to connect and talk Medicare. Thanks!
I found the video very infirmative. Although I was 65 a few years back I did not use nedicare at all so far because I was covered by employer’ programme. It is coming to an end by end of August. I am not in a position to judge but I found your video very helpful.
Thank you for filling an enormous public information need. I finally feel that I have a constructive direction to - start - my decision making process and I will definitely be in touch with your company in the future.
Today is May 8, 2023. Thank you for all this info. My husband and I are both 67 soon. We have Plan A. Husband is retiring in July, Sept or Dec. We need help on choosing. I will watch your Medicare Advantage tutorial next. Thank you very much. Very clear.
I am new to Medicare. I just applied for part B and am looking for a medigap policy. I have so many questions. Thank you for making it clear and for your sincere efforts to help people like myself understand the complexities of Medicare. There are so many rules and regulations and pit falls. It is nice to know that there are professionals like you who work hard on our behalf. Thank You very much for your videos. They are very well done. Please leave your phone number on the screen so I can call and talk with one of your representatives. I'm really worried about how expensive these medigap plans will be in ten or twenty years. I can afford a Supplement plan now, but how much will they go up in the coming years? Is there any cap on how much they can raise their premiums? Lots to think about.
Thank You for being so informative and easy to understand. Your video makes a much clearer picture of what I need to look for in a Supplemental Insurance Company.
Thank you . I learned a lot about risk of companies offering Medicare supplemental policies. Great timing for my insurance members meeting tomorrow . Great information . Thank you .
Thank you. You just gained a new follower. I'm on disability but was recently looking at supp plans in Colorado. Currently, I'm on the Medicaid buy-in the program. It's all SO complicated.
I appreciate this video. I look forward to viewing your other videos on Medicare, thus becoming more educated on such an important, but very much "not undertood" subject.
You really are telling the truth I’ve retired disabled and I didn’t know any better and I wound up out of regular Medicare part A & B and no supplemental but they gave me a part C because it sounded good part C is the advantage. Advantage is horrible. Once you get in it you can’t get out. Here I am with a very bad back horribly in pain and the person that sold me the insurance knew that and there are no good surgeons in this Netwerk what can I do I’ve been shish cabobbed. That’s a rotten way to do business but you are telling the truth.
I can’t tell you how grateful I am to have found you and your videos! Living in Texas, will be making these decisions for myself mid 2021. Question: my 98-year-old mother has supplement F. If this is being phased out, will it still be available to her in the future. She is healthy and sharp - we expect her to live another 10 years!
God bless you. I thought I knew about the advantage plans. I really thank you for making this information plain and simple. I will have to watch more of videos. You have answered all of my questions, and if I have more I know where to come. Now I can make an informed decision.
Here is my latest on the subject: ruclips.net/video/xw7EiH-5iik/видео.html If you use this form to provide us the information we need, we will email you price quotes for my plan / company recommendations medigapseminars.org/quotes/medigap-quote-request/
I am from Alabama and will be signing up for Medicare soon. After watching just a few of your videos, I think I want to do a supplement but I am not sure which one. I will continue to watch the videos and try to make an informed decision, but I will probably have to give you a call first.
so much easier to understand, thanks to you! I appreciate honesty and the lack of "hard sell" in your presentations. I'll be calling you soon, after a little more research. Thank you
You are welcome Maryann. I hope you take a look at my other Medicare videos as well. You can find them by subscribing or just using this in your search bar #MedigapSeminars
Unfortunatly after listening to your excellent and compassionate report....why is everything about disclosures to unsuspecting and naive people its sad that the game of insurance is about what you dont know.....i do not go to the doctor ...i only go for levels..not to say you may have a surprise catastropic illness......so thankyou for your explanation..its like the tax codes that change...
Thank you! This is the first overview that fully explains, clearly and without bullshit, the difference between real Medicare and Medicare Advantage plans.
Thank you for being clear and concise. I am new to the business and your helping to educate me in a way that I can help my clients make an informed decision!!
Thank you so much for your videos, very informative and helpful. I am a single 47 yr old female and on SSDB since 2008, was covered under an employer plan which I am losing as of January 1, 2021. I have to enroll in Medicare for coverage beginning on 1/1/2021. Before watching your videos, I thought an Advantage plan would be my best option due to lower costs, out of pocket expense, need for prescription and dental coverage. Unfortunately, I chose a insurance plan that none of my physicians take (which is very important) and did not learn that until after the fact (as I had to enroll by Dec 7 and I was unaware there were going to be problems continuing medical coverage from the employer until last minute. The insurance company I enrolled in is extremely unorganized, still does not have the physician directory completed, mails conflicting and/or duplicate information, is under three different names/entities & impossible to get assistance with on the phone. This plan is from the Medicare site. After some calls around I was advised that I am able to change the plan, if I do it before Jan 1, 2021. So I am in an extreme time constraint. After learning more about what is available and the differences, I believe that Basic Medicare with Supplemental coverage is better regarding care/coverage. However, I do need to have a prescription plan and could definitely use dental benefits. However, when I calculate what the cost would be for the Part B premium, Supplemental plan, prescription plan and possible outside dental coverage. I can't see how there would be anyway I could possibly afford it. My income is strictly Social Security Disability Income, which is low income (under $23k annually, no other source of income, no financial assistance, retirement, savings, IRA'S, etc.) but I do not qualify for Medicaid, Additional Help with Prescription costs or Medicare Savings Program (which is what I have been told by Medicare, Social Security, DHHS straight out and told there isn't anything I could possibly be eligible for). I also contacted State Health Insurance Assistance Program several times, which did not provide any assistance to me. They wouldn't explain the differences of Advantage plans and Supplemental Plans as I was told they couldn't tell me what plan to choose and I simply wanted to understand them and how they worked as I am new to Medicare. Anyone I have spoken to asking about any financial assistance or if there is any other programs available for help, I was told no. I am a loss right now, have no idea what to do and have two days to change the coverage I had already enrolled in. If there is any guidance you could provide, I would be so unbelievably grateful.. I know this video was posted in 8/2019 and not sure you will see this comment, but I thought I'd try. Thanks so much.
Thank you so much for the much needed info. I am about to get Medicare in 2 months, what I learn from this video is what I get the basic knowledge for Medicare Supplement. I will call your company for a quote.
Really appreciate you sharing your knowledge on this easily confusing topic! Will be deciding soon and will contact your office. I do have a question. If one selects a Supplemental plan and after 6 months decides to change companies, but not the Plan, is it correct to assume one still need go through medical underwriting?
Thank you, this was clear and informative. If you choose a Medigap plan upon first turning 65, will it automatically renew each year? If you want to stay with the plan, will you ever need to go through medical underwriting and pay more or possibly get kicked out based on medical conditions you might have later on?
I’ve watched 3 of your videos; I have learned & overwhelmed with all the informations about Medicare. I’m 66 and have decided to retire in Dec. Great videos & thank you.
You are very welcome Maggie. Thank you for taking the time to comment. If you would like personalized service, please use this form to provide us with your details. My team or I will help. Our services are free to you, the consumer. We are paid by whichever insurance company you decide to sponsor your Medicare. medigapseminars.org/quotes/medigap-quote-request/
Hands down the best video on Medicare Supplements! I can't wait to watch the rest. I will some good questions, that my family members need answered. Thank you so much!
So helpful. Now I know how I got here: on Plan F, getting too expensive but now some health issues that may not clear underwriting to make a change. I will be calling your company. I appreciate the feeling of honesty, integrity & stability you provide.
I am glad to hear my videos helped. If you would like my personal recommendations let us know: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
Thank you for the helpful information, especially your advice about buying for what you may need in the future and the big picture of firms going in and out of the market.
That was the most informative video on Medicare Supplements I’ve ever seen. I’m turning 60 this year and like to be well informed way in advance. As far as RUclips channels on the subject go. I think I’ve hit the jackpot. 😀👍
Great video! Very informative. Would you have any opinion if the G plans will be affected with the departure of F plans as far as future rate increases because Plan G has to take all people regardless of their medical condition in certain respects and in this case are N plans a safer bet. Thank you again!
All of my friends are suggesting Medicare Advantage and after this video that would not be a good choice for me. Thank you for helping me decide what I need.
After having a MediCare Advantage plan for the past three years a recent course of medical treatments has convinced me to shop for a MediCare Supplemental plan. I live in California, and I plan on calling your office within a couple of days for some plan quotes. Your videos are very relevant and eye-opening. Thank you very much for your information on this topic. 👍🏾
We would be happy to hear from you. if it's easier, you can just submit this free request form: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
This is a great video, I've added you to my RUclips subscriptions. At 70 years old. I'm still working a F/T job, and on their company healthcare plan. After I turned 65, I got Medicare part A, but, I've never investigated getting any other parts in regular Medicare or other supplemental insurance plans because of my current employer-sponsored healthcare plan I'm on. I'm thinking about retiring next year, then I'll be 71, losing the insurance I currently have. Where do you suggest I go from there? Thank you.
Hi Chuck. You will my free New to Medicare video series helpful: medigapseminars.org/new-to-medicare/ When you are within 4 to 6 months of retiring call us or use this form se we can start providing more details and specific guidance. Remember, our services are free to you, the consumer. medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
There are other agents that are jealous of our videos. Many of those only sell Medicare Advantage plans for the high commissions and really don't like facing the "educated consumer".
I just realized that I had all the wrong ideas about Medicare. I'm still under my work insurance but will have to get Medicare soon. There are so many things to consider and I will definitely need your help when the time comes. Thank you so much. I will keep watching your videos 👍👍👍
Thanks for so much information. Just getting ready to get on Medicare. I have medicaid though, so I'm not exactly sure what I'm looking at. I think I may give you a call. Love your channel, I really need the assist. Still learning how to live on my own, been far too sheltered from life in the real world it seems.
@@MedigapSeminars That makes sense. I still don't quite understand how they work together. If you've suggestions about a good place to look into that combination, I would appreciate it. God bless and thanks. Gonna pass on your vids to a friend of mine who may be able to use the supplemental.
Brilliant and carefully delivered. Thank you. All very informative. There is indeed so much to digest/learn that I personally found that taking a break from your videos, doing a little research on my own, and then go back to watching your videos again, I am able to learn (pick up on) things that I missed initially and then apply that information to my understanding and research. I do have one question pertaining to this video. Is there an easy way to determine how long a company has been involved with Medicare and how to determine what their rating might be?
Hi Kenny, thank you for your kind comments. Regarding your question; much of the information a consumer needs to determine which insurance company may be their best choice in Medicare supplement coverage is simply not available for free over the internet. But, no worries, our services are free to you and I have both the knowledge and experience to guide you.
Thank You Matt all your videos are very informative. I am 64 and will be eligible for Medicare on April 1 2020. I will definitely reach out to you soon. One question I have that no one really seems to answer. If I don't have Plan D drug coverage does that mean there is no drug coverage at all through medicare?
You can get Part D in one of two ways; either as a Stand-Alone Part D (which pairs with a supplement) or bundled with a Medicare Advantage PPO and HMO. They are both Part D. So the short answer is yes, you need Part D for prescription coverage.
What did I like about this video? ALL of it. I was considering going with the cheapest because I hardly go to the doctors but your statement of not knowing the future, I'm reconsidering. Thank you for all your videos.
Thank you Elfren. I have over 40 videos available. You will find them on my website medigapseminars.org/ and my RUclips channel ruclips.net/user/medigapseminarsorg enjoy
Thank you so much for your valuable information. So good!! Easy to understand as you explain so well. Would you recommend that we sign up for what we need at 65 even if we plan to work until 67? ❤
I thoroughly enjoyed your video (new subscriber) and thank you for making such a complicated issue more understandable. Last year, I applied for Medicare A & B at age 65 (while still employed), then canceled Part B and G (Aetna) at my employer's advice and re-applied for their coverage. This year I plan to retire and reinstate Part B; however, researching other options for Gap. My husband and I plan to travel the country during retirement and need a plan that will cover us outside of our home state (Michigan). Many travelers recommend Mutual of Omaha and Priority Health. What is your opinion of these companies in terms of nationwide coverage, premiums, and business ethics?
I would not make the same decision that your friends made. I am not saying those are less than quality companies, but there are long-term price considerations to make as well. First, understand that ALL Medicare supplement plans offer National coverage, because Medicare offers National coverage. If you would like help in selecting a good insurance company that has stable prices, please feel free to contact us 800-847-9680 or submit this form and we will respond by email: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
I am a retired Actuary FSA, and appreciated your comments about companies entering and exiting Medigap market and rating of closed pools, and the impact on future rate increases over the next 20 years.
In another life I ran a hedge fund advisory. Hedge funds just want the % return, typically looking to exit a new venture in 5-years or less. It may be good for them, but not for the policy holder.
Yes, Private Equity invests for 3-5 year returns while Life Insurance companies invest for 20+ year returns. I am frustrated by what Private Equity did to Quicken.
Is there a written ‘chart’ of all the various insurance plans, that show the side-by-side comparisons, so that one can make an informed choice based on what each plan does or does not offer/cover?
Very informative, thank you. I'm in New York. My understanding is that If I wish to switch to another letter plan, I can do so at any time without medical underwriting. But are there are preexisting condition restrictions in such situations? If so are there any circumstances (again in NY) in which preexisting conditions are not restricted. Thanks again.
This is my video on NY & CT ruclips.net/video/74K4cZIJpb8/видео.html The only thing you have to worry about is that you must hold on to your supplement plan for at least 6 months. If you do not have your supplement for six months, some insurance companies might enact a pre-existing condition clause.
Wow! You are the BEST! Info incredibly presented, and your personality (way of talking, pacing, etc) works perfectly for this. You have no idea! My head was swimming. There's lots of other good utubers...but you were the icing on the cake for sure!! God Bless ya....!
Your videos are very informative. I am interested in a supplement plan as I'll be 65 next March. I called your office last week and the lady took my email and phone number and said someone would call me. I just need some good advice on the Plan I should take as I cannot continue with my employer's COBRA HSA insurance at the end of March. No one has yet contacted me from your office. I signed up for original Medicare with Part B.
Leslie Pallante : The extreme politics of the Demokratik People’s Republik of Massachusetts reveal most who live there are necessarily "really confused!"
The point of being medically necessary is very important. It's awkward to always have cost on your mind during a medical emergency and I surely would think the doctor is doing what's medically necessary for health but medicare gets the final say. Also billing dept can also enter wrong code so it's necessary to be alert when bills come in. Thank you for laying out facts!
I'm turning 65 soon great info. So, who are some of the companies that have been dealing with medicare for 5 years or better. who are the better ones in your opinion.
I am happy to share my information with those who want to work through me to get a supplement. Our services are free to you, the consumer. And you cannot get a lower price with an insurance company by not using us. 800-847-9680 What you get is our help now and in the future.
Informative video. However, I am a veteran and would like to know how to best combine Medicare supplement plans with VA benefits. I attend a VA clinic for my medical needs. also how a HSA account could be utilized, if possible..
I am a Medicare consultant and appreciate your explanation and honesty in explaining this topic. Thank you.
This was the 2nd of your videos I have watched this evening, and I have learned far more in an hour than I had learned to date in total. Thank you, thank you, thank you!!!
Same here I agree.
I really want to thank you for this info. I’ve been confused about the whole process and your video cleared up much of the confusion. I especially find your presentation style a breath of fresh air. This is the first video that didn’t have my eyes rolling back into my head and tuning out!
Thank you Tom. I have over 40 videos on Medicare and am adding more in the next couple weeks. If you subscribe and look under the New to Medicare playlist I think you will glad you did. For Part D, I have videos and more here: See my recommendations for Medicare Part D here: partdshopper.com/
I am a recently retired physician looking to go on Medicare soon. Your videos are very well done and informative. I plan on watching all of them. Thanks for your knowledge.
You are welcome Kim!
finally someone that explains Medicare without any strings attached, Thank you
You are welcome
Can't wait to turn 65. Which is 1 year away from when that time comes. To call Matthew Classes..He really explained how medicare supplement and Medicare Advantage works. Thanks Matthew . Now I Know finally who to call when that time arrives .
look forward to it
This is the best presentation on this subject I have seen yet. Especially about the hidden risk of some providers. Thank You.
Thank you Matthew. I saw this over the weekend in December.and was in shock. I was alarmed to be convinced and fooled by experienced agents into a false security of an Advantage Plan, and I no longer even had a Prescription Plan. By Monday morning I called your team. They helped me choose and apply at the right time to get out of the wrong situation. I would have been there for years, who knew?! As of 1st February all changed, I'm in a HD Supplement Plan G and a Prescription Plan. So much you taught me, I can't thank you enough for your honesty. and teaching clearly without me getting confused and overwhelmed.
I am so glad you called us Anita. Thank you for sharing your story.
I appreciated your advise re: the selection of a supplemental insurance company, i.e. a company with a history of being a Medicare supplemental insurance company for minimum 5+ years, A rating, and a pricing stability.
Going into my first year in Medicare was very difficult due to the difficulty understanding how it works along with how the Advantage & Supplement Plans work. I've learned a lot from your video. Thank You.
This is the 3rd time I have seen this video and I discover something new each time. Thank you for all you do - please don't stop.
I really appreciate that MR MATTHEW explains MEDICARE throughly in depth without any string attached at all.GOD BLESS YOU AND YOUR ORGANIZATION FOREVER IN LIFE !!!!! GR8 work done by you.
There's no way I can say thank you enough for all your informative videos and everything you do for our Medicare family and friends.
I want to thank you for your information, especially the risks. I am overwhelmed with all of this. I will be calling you soon. After watching your video I realized I was going to make a big mistake. I aprreciate you and your free service. Thank you again.
This should not be so difficult, its like they're against us all. Thank you for all your help!
I have viewed your video's for about 2 yrs and i have learned a lot from you. I am 65yrs and still have not retired, but when i do i will absolutely contact you . I live in NYC and will need your guidance . Please keep up the informational work you do. Thanks.
Great channel!! Finally, I understand some issues that I have had for a couple of years regarding supplemental insurances.
Like I said in the beginning, absolutely awesome channel. I have to thank you so much for being a very caring man that explains things about Medicare options in such a way, that regular people can understand.
You are welcome Colleen. And thank you for your very kind words.
I so appreciate the calm, evenly modulated tone in which you present your very clear, concise content. Thank you for the time and effort you put into these excellent videos and helping us all navigate what are for many uncharted territory.
You are welcome Tina. Feel free to reach out to my office if you would like personalized free consultation. 800-847-9680
Excellent video. You take the time to carefully explain the information, you don’t rush through it and that’s why I’m subscribing. I will be contacting your office for sure.
Thank you Matt for all you do, very honest and always looking for the welfare of people!
Always and You are welcome
Fantastic information!!! So easily understood. Matt - you’re amazing.
Where are you based?
Thank you for explaining what we need to look at when picking what Insurance company to consider and why. Turning 65 this year and know that I have to look at a company not now but consider the future. Your videos excellent and break down by explaining details. Thank you watch all his videos, you will not be sorry.
You are welcome Arleen. Please consider my team when seeking personal guidance. Our services are free to the consumer. 800-847-9680
I've just watched four of your videos and needless to say I am very impressed! You've explained everything so clearly and easily to understand! Thank you so much!
You are welcome. Please reach out to us if we can help further or you would like my recommendations. I would love to compete for your business. 800-847-9680
this was great! LOVE your 'opinions' and 'rule' not to deal with companies who haven't been in the medicare biz for less than a few years!
Great videos!!! Thank you (Jose Cabral) I am a insurance student, and I love your work!!!
Nicely done! I’ve been doing this business since 1980 in Wisconsin. You hit most of the points on plans and pricing and business practice. I have only 2 points you could add. You present like I do. Glad to connect and talk Medicare. Thanks!
I found the video very infirmative. Although I was 65 a few years back I did not use nedicare at all so far because I was covered by employer’ programme. It is coming to an end by end of August. I am not in a position to judge but I found your video very helpful.
Thank you for filling an enormous public information need. I finally feel that I have a constructive direction to - start - my decision making process and I will definitely be in touch with your company in the future.
Hi Lisa. We look forward to helping you!
Today is May 8, 2023. Thank you for all this info. My husband and I are both 67 soon. We have Plan A. Husband is retiring in July, Sept or Dec. We need help on choosing. I will watch your Medicare Advantage tutorial next. Thank you very much. Very clear.
I am new to Medicare. I just applied for part B and am looking for a medigap policy. I have so many questions. Thank you for making it clear and for your sincere efforts to help people like myself understand the complexities of Medicare. There are so many rules and regulations and pit falls. It is nice to know that there are professionals like you who work hard on our behalf. Thank You very much for your videos. They are very well done. Please leave your phone number on the screen so I can call and talk with one of your representatives. I'm really worried about how expensive these medigap plans will be in ten or twenty years. I can afford a Supplement plan now, but how much will they go up in the coming years? Is there any cap on how much they can raise their premiums? Lots to think about.
I am new in Medicare and did get very good information from you. Thank you. God bless you
Thank You for being so informative and easy to understand. Your video makes a much clearer picture of what I need to look for in a Supplemental Insurance Company.
Thank you . I learned a lot about risk of companies offering Medicare supplemental policies. Great timing for my insurance members meeting tomorrow . Great information . Thank you .
Time Stamp: Go to 23:45 to watch Hidden Risks! #MedigapSeminars
Perry como
MedigapSeminars.org great information! Thank you!
@@heathertsai5636 You are welcome!
Thank you. You just gained a new follower. I'm on disability but was recently looking at supp plans in Colorado. Currently, I'm on the Medicaid buy-in the program. It's all SO complicated.
I appreciate this video. I look forward to viewing your other videos on Medicare, thus becoming more educated on such an important, but very much "not undertood" subject.
You really are telling the truth I’ve retired disabled and I didn’t know any better and I wound up out of regular Medicare part A & B and no supplemental but they gave me a part C because it sounded good part C is the advantage. Advantage is horrible. Once you get in it you can’t get out. Here I am with a very bad back horribly in pain and the person that sold me the insurance knew that and there are no good surgeons in this Netwerk what can I do I’ve been shish cabobbed. That’s a rotten way to do business but you are telling the truth.
'Most Important Part ?' EVERY part, just like ALL your videos. THANK YOU !
Thank you Ste El
I can’t tell you how grateful I am to have found you and your videos! Living in Texas, will be making these decisions for myself mid 2021. Question: my 98-year-old mother has supplement F. If this is being phased out, will it still be available to her in the future. She is healthy and sharp - we expect her to live another 10 years!
God bless you. I thought I knew about the advantage plans. I really thank you for making this information plain and simple. I will have to watch more of videos. You have answered all of my questions, and if I have more I know where to come. Now I can make an informed decision.
Here is my latest on the subject: ruclips.net/video/xw7EiH-5iik/видео.html If you use this form to provide us the information we need, we will email you price quotes for my plan / company recommendations medigapseminars.org/quotes/medigap-quote-request/
I am from Alabama and will be signing up for Medicare soon. After watching just a few of your videos, I think I want to do a supplement but I am not sure which one. I will continue to watch the videos and try to make an informed decision, but I will probably have to give you a call first.
Hi Coleen. Try this video. I believe it will help you identify the right plan for you. ruclips.net/video/EaO_P7ttfqg/видео.htmlsi=NAEgU5ZNKjIPWibJ
so much easier to understand, thanks to you! I appreciate honesty and the lack of "hard sell" in your presentations. I'll be calling you soon, after a little more research. Thank you
You are welcome Maryann. I hope you take a look at my other Medicare videos as well. You can find them by subscribing or just using this in your search bar #MedigapSeminars
Unfortunatly after listening to your excellent and compassionate report....why is everything about disclosures to unsuspecting and naive people its sad that the game of insurance is about what you dont know.....i do not go to the doctor ...i only go for levels..not to say you may have a surprise catastropic illness......so thankyou for your explanation..its like the tax codes that change...
Do you know that you ROCK ?!?! Thank you for making a complex subject so easy to understand !
Thank you! This is the first overview that fully explains, clearly and without bullshit, the difference between real Medicare and Medicare Advantage plans.
Thank you for being clear and concise. I am new to the business and your helping to educate me in a way that I can help my clients make an informed decision!!
Thank You for covering so many important facts that need to be considered.
Great information as always. This topic is very important to us on Medicare.
Thank you so much for your videos, very informative and helpful. I am a single 47 yr old female and on SSDB since 2008, was covered under an employer plan which I am losing as of January 1, 2021. I have to enroll in Medicare for coverage beginning on 1/1/2021. Before watching your videos, I thought an Advantage plan would be my best option due to lower costs, out of pocket expense, need for prescription and dental coverage. Unfortunately, I chose a insurance plan that none of my physicians take (which is very important) and did not learn that until after the fact (as I had to enroll by Dec 7 and I was unaware there were going to be problems continuing medical coverage from the employer until last minute. The insurance company I enrolled in is extremely unorganized, still does not have the physician directory completed, mails conflicting and/or duplicate information, is under three different names/entities & impossible to get assistance with on the phone. This plan is from the Medicare site. After some calls around I was advised that I am able to change the plan, if I do it before Jan 1, 2021. So I am in an extreme time constraint. After learning more about what is available and the differences, I believe that Basic Medicare with Supplemental coverage is better regarding care/coverage. However, I do need to have a prescription plan and could definitely use dental benefits. However, when I calculate what the cost would be for the Part B premium, Supplemental plan, prescription plan and possible outside dental coverage. I can't see how there would be anyway I could possibly afford it. My income is strictly Social Security Disability Income, which is low income (under $23k annually, no other source of income, no financial assistance, retirement, savings, IRA'S, etc.) but I do not qualify for Medicaid, Additional Help with Prescription costs or Medicare Savings Program (which is what I have been told by Medicare, Social Security, DHHS straight out and told there isn't anything I could possibly be eligible for). I also contacted State Health Insurance Assistance Program several times, which did not provide any assistance to me. They wouldn't explain the differences of Advantage plans and Supplemental Plans as I was told they couldn't tell me what plan to choose and I simply wanted to understand them and how they worked as I am new to Medicare. Anyone I have spoken to asking about any financial assistance or if there is any other programs available for help, I was told no. I am a loss right now, have no idea what to do and have two days to change the coverage I had already enrolled in. If there is any guidance you could provide, I would be so unbelievably grateful.. I know this video was posted in 8/2019 and not sure you will see this comment, but I thought I'd try. Thanks so much.
Thank you so much for the much needed info. I am about to get Medicare in 2 months, what I learn from this video is what I get the basic knowledge for Medicare Supplement. I will call your company for a quote.
I look forward to it!
great video!! I will be 65 in December 2023 so I'm getting informed. I will surely give you guys a call next year.
Really appreciate you sharing your knowledge on this easily confusing topic! Will be deciding soon and will contact your office. I do have a question. If one selects a Supplemental plan and after 6 months decides to change companies, but not the Plan, is it correct to assume one still need go through medical underwriting?
Have just a couple of additional questions, will be calling your office soon. Thank you for all of your information and time.
You are welcome Colleen. 800-847-9680
Thank you, this was clear and informative. If you choose a Medigap plan upon first turning 65, will it automatically renew each year? If you want to stay with the plan, will you ever need to go through medical underwriting and pay more or possibly get kicked out based on medical conditions you might have later on?
I’ve watched 3 of your videos; I have learned & overwhelmed with all the informations about Medicare. I’m 66 and have decided to retire in Dec. Great videos & thank you.
You are very welcome Maggie. Thank you for taking the time to comment. If you would like personalized service, please use this form to provide us with your details. My team or I will help. Our services are free to you, the consumer. We are paid by whichever insurance company you decide to sponsor your Medicare. medigapseminars.org/quotes/medigap-quote-request/
Hands down the best video on Medicare Supplements! I can't wait to watch the rest. I will some good questions, that my family members need answered. Thank you so much!
You are welcome MJ. We look forward to helping you with your questions. #MedigapSeminars
So helpful. Now I know how I got here: on Plan F, getting too expensive but now some health issues that may not clear underwriting to make a change. I will be calling your company. I appreciate the feeling of honesty, integrity & stability you provide.
I look forward to talking with you
I learned a lot and you reduced my anxiety about signing up for a plan in the near future.
I am glad to hear my videos helped. If you would like my personal recommendations let us know: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
Thank you for the helpful information, especially your advice about buying for what you may need in the future and the big picture of firms going in and out of the market.
You are welcome Janet. Please consider us when shopping for your supplement. I would love to compete for your business.
Thank you. I am 86 and am just now beginning to understand an extremely complex medical provider system.
That was the most informative video on Medicare Supplements I’ve ever seen. I’m turning 60 this year and like to be well informed way in advance. As far as RUclips channels on the subject go. I think I’ve hit the jackpot. 😀👍
Great video! Very informative. Would you have any opinion if the G plans will be affected with the departure of F plans as far as future rate increases because Plan G has to take all people regardless of their medical condition in certain respects and in this case are N plans a safer bet. Thank you again!
This was very good information. I learn more in this video about Medicare than every before, and I have been in Medicare for 4 years. Thanks.
You are welcome Eddie. I hope you find my other videos as informative
Anything you have on dental would appreciate. You make it easy to understand! Thx. Helpful information!
All of my friends are suggesting Medicare Advantage and after this video that would not be a good choice for me. Thank you for helping me decide what I need.
Feel free to call us if you would like our guidance on which insurance company to use. Our services are free to you, the consumer. 800-847-9680
After having a MediCare Advantage plan for the past three years a recent course of medical treatments has convinced me to shop for a MediCare Supplemental plan. I live in California, and I plan on calling your office within a couple of days for some plan quotes. Your videos are very relevant and eye-opening. Thank you very much for your information on this topic. 👍🏾
We would be happy to hear from you. if it's easier, you can just submit this free request form: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
This is a great video, I've added you to my RUclips subscriptions. At 70 years old. I'm still working a F/T job, and on their company healthcare plan. After I turned 65, I got Medicare part A, but, I've never investigated getting any other parts in regular Medicare or other supplemental insurance plans because of my current employer-sponsored healthcare plan I'm on. I'm thinking about retiring next year, then I'll be 71, losing the insurance I currently have. Where do you suggest I go from there? Thank you.
Hi Chuck. You will my free New to Medicare video series helpful: medigapseminars.org/new-to-medicare/ When you are within 4 to 6 months of retiring call us or use this form se we can start providing more details and specific guidance. Remember, our services are free to you, the consumer. medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
Thank you so much for all this important information I have been confused for a long time
Awesome Video, who are the 69 who did not like it. You are looking at the right issues. Better go look at more of your videos. Thank you!
There are other agents that are jealous of our videos. Many of those only sell Medicare Advantage plans for the high commissions and really don't like facing the "educated consumer".
Thanks for the info! I am 6 years out from Medicare, this took the fear out of the whole subject.
In six year we could have a zombie apocalypse! I am glad we could ease your mind.
Your information feels honest and sensible. I have already contacted your group to become a client and I am feeling confident with my choice!
finally learned what I was looking for ---you explain things so well---thank you
I just realized that I had all the wrong ideas about Medicare. I'm still under my work insurance but will have to get Medicare soon. There are so many things to consider and I will definitely need your help when the time comes. Thank you so much. I will keep watching your videos 👍👍👍
feel free to reach out to us if you would like our personalized service. Our services are free to you, the consumer. 800-847-9680
Thanks for so much information. Just getting ready to get on Medicare. I have medicaid though, so I'm not exactly sure what I'm looking at. I think I may give you a call. Love your channel, I really need the assist. Still learning how to live on my own, been far too sheltered from life in the real world it seems.
Thank you mss. Just an FYI, you cannot be on Medicaid and have a supplement at the same time. You do not need a supplement when actively on Medicaid.
@@MedigapSeminars That makes sense. I still don't quite understand how they work together. If you've suggestions about a good place to look into that combination, I would appreciate it. God bless and thanks. Gonna pass on your vids to a friend of mine who may be able to use the supplemental.
Your Explanation of Medicare is excellent and thank you so much!
Brilliant and carefully delivered. Thank you. All very informative. There is indeed so much to digest/learn that I personally found that taking a break from your videos, doing a little research on my own, and then go back to watching your videos again, I am able to learn (pick up on) things that I missed initially and then apply that information to my understanding and research. I do have one question pertaining to this video. Is there an easy way to determine how long a company has been involved with Medicare and how to determine what their rating might be?
Hi Kenny, thank you for your kind comments. Regarding your question; much of the information a consumer needs to determine which insurance company may be their best choice in Medicare supplement coverage is simply not available for free over the internet. But, no worries, our services are free to you and I have both the knowledge and experience to guide you.
thanks for putting all this information out in an understandable form. It's pretty overwhelming but your videos are helping me a lot.
You are welcome David.
Thank You Matt all your videos are very informative. I am 64 and will be eligible for Medicare on April 1 2020. I will definitely reach out to you soon. One question I have that no one really seems to answer. If I don't have Plan D drug coverage does that mean there is no drug coverage at all through medicare?
You can get Part D in one of two ways; either as a Stand-Alone Part D (which pairs with a supplement) or bundled with a Medicare Advantage PPO and HMO. They are both Part D. So the short answer is yes, you need Part D for prescription coverage.
What did I like about this video? ALL of it. I was considering going with the cheapest because I hardly go to the doctors but your statement of not knowing the future, I'm reconsidering. Thank you for all your videos.
Hi Debbie - Thank you for your comment. As I always say " Get today the insurance plan you will want to have when you are sick or injured" :-)
The videos I have watched has been very informative. I like that several videos are available to geared focused on various topics.
Thank you Elfren. I have over 40 videos available. You will find them on my website medigapseminars.org/ and my RUclips channel ruclips.net/user/medigapseminarsorg enjoy
Thank you so much for your valuable information. So good!! Easy to understand as you explain so well. Would you recommend that we sign up for what we need at 65 even if we plan to work until 67? ❤
It depends on your circumstances, but most likely yes. medigapseminars.org/contact-us/
I thoroughly enjoyed your video (new subscriber) and thank you for making such a complicated issue more understandable. Last year, I applied for Medicare A & B at age 65 (while still employed), then canceled Part B and G (Aetna) at my employer's advice and re-applied for their coverage. This year I plan to retire and reinstate Part B; however, researching other options for Gap. My husband and I plan to travel the country during retirement and need a plan that will cover us outside of our home state (Michigan). Many travelers recommend Mutual of Omaha and Priority Health. What is your opinion of these companies in terms of nationwide coverage, premiums, and business ethics?
I would not make the same decision that your friends made. I am not saying those are less than quality companies, but there are long-term price considerations to make as well. First, understand that ALL Medicare supplement plans offer National coverage, because Medicare offers National coverage. If you would like help in selecting a good insurance company that has stable prices, please feel free to contact us 800-847-9680 or submit this form and we will respond by email: medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
I am a retired Actuary FSA, and appreciated your comments about companies entering and exiting Medigap market and rating of closed pools, and the impact on future rate increases over the next 20 years.
In another life I ran a hedge fund advisory. Hedge funds just want the % return, typically looking to exit a new venture in 5-years or less. It may be good for them, but not for the policy holder.
Yes, Private Equity invests for 3-5 year returns while Life Insurance companies invest for 20+ year returns. I am frustrated by what Private Equity did to Quicken.
Is there a written ‘chart’ of all the various insurance plans, that show the side-by-side comparisons, so that one can make an informed choice based on what each plan does or does not offer/cover?
Hi Grace, Yes there is > medigapseminars.org/medicare-supplement-benefit-table-2020/ FYI In most states The Plan G and Plan N are the best value.
Can't read graphics and dated as 2016. Anything newer for 2021 where we can zoom in?
I have watched several of your videos and they are awesome! The information you provide is invaluable. Thank you for doing these videos!
Great Information! I am going to watch your video on the advantage plans, but I am leaning on a Supplemental Plan G + a Drug Plan.
Easy to understand terms. Every other commercial on television is screaming December 7th deadline. This explains exactly what that means. Thanks.
Very informative, thank you. I'm in New York. My understanding is that If I wish to switch to another letter plan, I can do so at any time without medical underwriting. But are there are preexisting condition restrictions in such situations? If so are there any circumstances (again in NY) in which preexisting conditions are not restricted. Thanks again.
This is my video on NY & CT ruclips.net/video/74K4cZIJpb8/видео.html The only thing you have to worry about is that you must hold on to your supplement plan for at least 6 months. If you do not have your supplement for six months, some insurance companies might enact a pre-existing condition clause.
Wow! You are the BEST! Info incredibly presented, and your personality (way of talking, pacing, etc) works perfectly for this. You have no idea! My head was swimming. There's lots of other good utubers...but you were the icing on the cake for sure!! God Bless ya....!
You are welcome Wildman0228
Thank you, I learned some nuances of the supplement insurance
Your videos are very informative. I am interested in a supplement plan as I'll be 65 next March. I called your office last week and the lady took my email and phone number and said someone would call me. I just need some good advice on the Plan I should take as I cannot continue with my employer's COBRA HSA insurance at the end of March. No one has yet contacted me from your office. I signed up for original Medicare with Part B.
Ugh....I live in Massachusetts so really confused. I'm going to call you for help for sure!!!!
We will be happy to help!
Leslie Pallante : The extreme politics of the Demokratik People’s Republik of Massachusetts reveal most who live there are necessarily "really confused!"
The end of the video is the answer to the question you ask please help me make the right decision Indiana
Hi David. I would be happy to help. Please call my office at 800-847-9680 We are open 9 am to 6pm eastern M-F
I am 63 not old enough for Medicare but looking into it thanks for responding I will get back
You are a life saver! Thank you so much.
You are very welcome.
Very nice explanation for the subject.
Unbiased. Comprehensive.
Thank you D'Big O!
The point of being medically necessary is very important. It's awkward to always have cost on your mind during a medical emergency and I surely would think the doctor is doing what's medically necessary for health but medicare gets the final say. Also billing dept can also enter wrong code so it's necessary to be alert when bills come in. Thank you for laying out facts!
I'm turning 65 soon great info. So, who are some of the companies that have been dealing with medicare for 5 years or better. who are the better ones in your opinion.
I am happy to share my information with those who want to work through me to get a supplement. Our services are free to you, the consumer. And you cannot get a lower price with an insurance company by not using us. 800-847-9680 What you get is our help now and in the future.
Good info. Wish I'd had this info when I started Medicare. Now, I'm more enlightened, but also more frightened about my future.
This is the new version: ruclips.net/video/77qVm7ibo7g/видео.html
Informative video. However, I am a veteran and would like to know how to best combine Medicare supplement plans with VA benefits. I attend a VA clinic for my medical needs. also how a HSA account could be utilized, if possible..
Hi Arlin, I suggest considering the Plan F-HD or Plan G-HD ruclips.net/video/W65Zse-Cdbs/видео.html
I've learned more from you than from the material I read to take the exam. Thanks.
You are welcome Sharon Good Luck!