Escape High Costs! Compare Medicare Supplement Plan G Prices For 2025

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  • Опубликовано: 25 ноя 2024

Комментарии • 228

  • @susiefloosie8885
    @susiefloosie8885 2 месяца назад +68

    We have had the G plan for six years and are very happy with it. Yes we can afford it, but it has paid for everything we have needed after our deductibles. WE haven't had to get referrals for almost all our doctors. And yes the price of it has gone up every year. Still it has saved us thousands because we have both had many unexpected illnesses that have needed extensive doctor visits and tests.

    • @devastatn
      @devastatn Месяц назад +2

      I'm retired from the federal government. I currently have BCBSFed health insurance. I'll turn 65 early next year. Do I drop my insurance and just go with Medicare or keep my current plan and just sign up for Medicare after I turn 65? Thank you ❤ 💯 👍

    • @CesarGonzalez0981
      @CesarGonzalez0981 16 дней назад +1

      @@devastatnI could be wrong but don’t drop your federal insurance because you can use that for your secondary, which will cover copays. Premiums, etc

  • @MagdaleneM-f3q
    @MagdaleneM-f3q 15 дней назад +99

    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

    • @Wlad-v2w
      @Wlad-v2w 15 дней назад

      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.

    • @BaffySchenck
      @BaffySchenck 15 дней назад

      That sounds interesting! Could you share the details of your adviser? I'm urgently in need of one.

    • @Wlad-v2w
      @Wlad-v2w 15 дней назад

      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.

    • @BaffySchenck
      @BaffySchenck 15 дней назад

      I just looked her up, and her credentials are impressive! I've already reached out and scheduled a call for some guidance. Thank you!

    • @TianaManeO
      @TianaManeO 15 дней назад

      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!

  • @LifewithRandyB
    @LifewithRandyB Месяц назад +53

    Having waited almost a year to get approval for needed surgery from a well-known insurance provider, I will never again allow an insurance company to be involved in my health care decisions. I don't care what a supplement plan costs, Advantage plans are forever off my list.

    • @medicare365
      @medicare365  Месяц назад +6

      Smart move

    • @matthewsims4457
      @matthewsims4457 25 дней назад +1

      Yeah, but if you have certain medical conditions...or take certain medications, GOOD LUCK getting INTO a Supplemental plan! I tried to move from Mutual of Omaha Plan G to Mutual of Omaha Plan N (cheaper), I had to honestly answer ONE medical question 'Yes' (for a disc issue), and I was then told no...I can't change. Even the same company!!!

    • @maryanngregorek8865
      @maryanngregorek8865 5 дней назад

      They give you a one time, no questions asked, opportunity, to enroll without medical underwriting. After that, you are subject to medical underwriting. Apparently, as you've indicated, even within the same company. Would anyway pass medical underwriting at our age?
      You need to choose wisely when you first enroll. Who knew?

  • @tenaguin1054
    @tenaguin1054 Месяц назад +7

    Have had plan G for several years. The first four years there was a very minimal increase in monthly premiums. The past three years it has increased substantially. Due to multiple health issues I must keep this plan. So far I have been able to make payment for the deductible and monthly premiums and really hope I can continue to do so.
    A month after I retired, my health seemed to just get out of hand. I must have good coverage and most likely mat not qualify through other companies.
    I hope to continue to afford plan G.
    Since retirement and going on Medicare I have paid more for medical insurance than I ever did my entire life.

  • @Simsane
    @Simsane Месяц назад +33

    My husband was very sick. He went into the hospital on December 30, 2023 and died there on January 21, 2024. He had Plan G. I was billed $240. That's it for 22 days. Nothing more. Let me tell you, it was a big relief to me as I was already overwhelmed and grieving over his death. I was worried I was going to have to sell my house and live in my vehicle or with one of my kids and it still wouldn't be enough to pay off the bills.
    He died just three weeks before our 40th wedding anniversary.😢

    • @pattyoconnell4254
      @pattyoconnell4254 Месяц назад +11

      I’m so sorry for your loss 😢💔

    • @Simsane
      @Simsane Месяц назад

      @@pattyoconnell4254 thank you. 😔🫂

    • @joanclayton1181
      @joanclayton1181 Месяц назад +8

      I am so sorry. 😢

    • @beoz658
      @beoz658 Месяц назад +7

      So sorry for your loss. My brother almost died 2 times and the $90,000 bill was nothing. He has plan G

    • @madamecurious
      @madamecurious Месяц назад +5

      I’m so sorry for your loss 😢 im glad you don’t have to deal with grief AND debt!! That would be almost unbearable.

  • @Hsbee926
    @Hsbee926 2 месяца назад +25

    Thanks, good information. It's interesting to watch the costs for 65, it looks so reasonable. When you hit 76, the cost of the premium in AZ now runs me $214 per month for plan N. As you mentioned, for plan D to get "reasonable" drug coverage on name brand drugs, the premium is high, and the cost for the prescription I pay is still very high. Fortunately, some of these drugs will be capped with the new out of pocket limit in 2025.
    Even with these increases, it still beats the $900 per month I was spending for medical coverage before I turned 65.

  • @saketashol6728
    @saketashol6728 2 месяца назад +8

    Brian is one of the best in this business. We are both on plan N and when rates increased above average, Brian switched us to another larger carrier and saved us a lot in monthly premiums .

  • @todddunn945
    @todddunn945 2 месяца назад +39

    You left out one of the most important considerations and that is pre-approvals. With Traditional Medicare and a Supplement (G, N, etc.) there are essentially no pre-approvals. If your doctor says you need something you get it without delay. I said essentially because there are some things that have limits on how frequently you can get them. On the other hand, with a Medicare Advantage plan, pretty much any expensive procedure will require that the insurance company approve the procedure before they will pay for it. An example is a surgery like knee or hip replacement. The advantage plan will require that your doctors submit documentation before the surgery and the plan may not approve it at all, or may require that you do something else (physical therapy, injections, etc. before you have the surgery.

    • @Sword_of_justice103
      @Sword_of_justice103 2 месяца назад +3

      Yes ! This is very true .

    • @frankbartol3196
      @frankbartol3196 Месяц назад +2

      This difference is HUGE and for me, a disqualifer.

    • @desilu-stage9
      @desilu-stage9 Месяц назад +10

      If non citizens are getting free medical care, why can't Americans?

    • @brin3m
      @brin3m Месяц назад +6

      @@desilu-stage9 just stop. off topic

    • @sbc383zz
      @sbc383zz Месяц назад +3

      @@desilu-stage9 More Republican garbage.

  • @allisonmastin1940
    @allisonmastin1940 Месяц назад +7

    Finally someone who explains so I can understand

  • @djbosnick1072
    @djbosnick1072 2 месяца назад +20

    We live in a very rural area, without alot of options for docs and dentists. It's at least an hour and a half drive to any decent medical care. Medicare Advantage would put us at a distinct DISadvantage, it seems to us. We also like to camp out of state, and need to have choices when we travel and medical or dental issues arise. For us, a supplement seems to make more sense.

    • @Hughesbayou
      @Hughesbayou Месяц назад

      It's advantage to the insurance company. How else can they make money and have no or low premiums?

    • @pearlsandpowertools547
      @pearlsandpowertools547 Месяц назад +1

      I'll give you three anecdotes. 84yo MIL Got a cancer DX 2 weeks after FIL died. They live in rural MO. MIL had Real Medicare and a Plan G Supplement it cost $4000 2024. We brought her to our home in Atlanta and she has paid only Medicare premiums and annual deductibles, small prescriptions. We also learned some Patient Assistance Programs do not take MA patients. Her $16K a month cancer Rx is free on a Patient Assistance Program.
      Her brother, outside St Louis had MA. He could not leave STL for care. In his plan he had to stay in his region. $250 ambulance ride, Hospital stay co-pays $1600, meds varied with needs. He also had $33 late enrollment for life because he signed up late.
      My sister has MS. She was sold on a MA plan just to find NONE of her specialists accept ANY MA plans. She switched back to Real Medicare but was unable to qualify for a supplement due to the MS. But, she can see whatever specialists she needs, NYC or Atlanta.

    • @djbosnick1072
      @djbosnick1072 Месяц назад

      ​@@pearlsandpowertools547thoae are very powerful illustrations in favor of original medicare and supplement!! Thanks for sharing this. Sorry for your family that has Medicare Advantage.❤

  • @GH-cp9wc
    @GH-cp9wc Месяц назад +7

    I have had Plan G and have had to basically pay the annual deductible through chemotherapy/Hospitalization and same for Open Heart Surgery/Hospitalization 2 years later.

    • @medicare365
      @medicare365  Месяц назад +9

      The annual deductible is only $240 a year. For all that care that is a small amount.

  • @kygent508
    @kygent508 Месяц назад +11

    I am on Plan N and have never,so far,paid the $20.

    • @UncleDavesKitchen
      @UncleDavesKitchen Месяц назад +3

      me either

    • @joanclayton1181
      @joanclayton1181 Месяц назад +4

      Same here. The copay is "up to" and "not to exceed" the "20.00. If your doctor has a lesser copay, then you pay the lesser amount.

  • @Sarahbee-o8t
    @Sarahbee-o8t Месяц назад +3

    I take a lot of tier 5 medications for copd . I need a good Medicare prescription plan

  • @yacaattwood2421
    @yacaattwood2421 Месяц назад +14

    My oncologist ordered a PET Scan recently to check on the effectiveness of the pembrolizumab (Keytruda) and levatinib (Lenvima) on my metastatic endometrial cancer
    When I talked to the hospital coordinator to schedule the scan, she said, “oh, we have to get an authorization from insurance”. She checked, then said, “Oh - you have Medicare and a Plan G Supplement - NO AUTHORIZATION NEEDED; we can schedule your PET Scan”
    YES, I’m paying over $400/month for Part B ($174.70), AARP/UnitedHealth Care Plan G ($148.60), WellCare Part D Prescription ($0.50) and UnitedHealth Care Dental/Vision ($50.70) and a MASA Medical Transportation Plan ($30 - the nearest Level I Trauma Center is 45 miles away in Salt Lake City; Medicare may or may not classify ambulance/air transport as “medically necessary”) - but my ONCOLOGIST and not an insurance functionary makes decisions about my treatment

    • @medicare365
      @medicare365  Месяц назад +3

      Thanks for the unbelievable story. I hope your health gets better and better. Plan G makes your life easier when you get sick! Appreciate the comment and keep them coming if you can.

  • @haydeefm7414
    @haydeefm7414 2 месяца назад +9

    This is the best explanation of these plans I've heard. I recently lost my employer insurance and had to go on Medicare (it will start October 1). I chose plans G & D. I don't have much $ reserved in the bank as I was a single mom and wasn't able to save unfortunately. If G goes up each year, I'm not sure how long I'll be able to afford it. I'm alone and wasn't even able to take Dental, Hearing, or Vision.

    • @joniboulware1436
      @joniboulware1436 Месяц назад +4

      Then you should go for N. Any change in plan after the initial period requires medical underwriting.

    • @NYCisland
      @NYCisland Месяц назад +1

      If you don't see a doctor much, you get go with a high-deductible version of G. That's what my husband and I have. We are in WA and it's $48/mon (varies by state and company). The deductible is higher, but same benefits. I only go 2/year for lab work so I don't want to pay $200/mon for regular G or N.

    • @ridendurance
      @ridendurance Месяц назад

      Can you address how the difference in cost would be when a patient has a surgery procedure as an Ambulatory Observation Stay Vs an Inpatient stay. This is a new way Medicare has figured out how to pay less because of this distinction.

    • @RG-hf4et
      @RG-hf4et 22 дня назад +1

      You should go for Plan N asap even if u just signed up for Plan G. G & N are VERY similar. N is cheaper every month & your yearly increases will be less. I am on G. It is wonderful but N will cost less in the long run over the years as u age. I am switching to Plan N this week.

  • @lizettramos9240
    @lizettramos9240 2 месяца назад +5

    Hello Brian, wishing you a blessing night thank you so much for this great information for coming year your the Best 🎉🎉🎉🎉🎉

    • @medicare365
      @medicare365  2 месяца назад +1

      Lizett!! Woohoo 🥳 thanks for watching

  • @x.y.7385
    @x.y.7385 2 месяца назад +14

    I live in CT. Cheapest N is 170, cheapest G is 260. I chose high deductible plan G for 55 per month for the remainder of 2024. It has a 2800 deductible. Haven't finished the video yet so not sure if this is touched on. If i chose N, id pay 1920 per year whether I used it or not. Regular G would cost me 3120 per year whether i used it or not. So for now it makes sense for me to choose high deductible G. I'll see what 2025 is next month. Also, since i live in CT i can change supplement plans during the year without underwriting

    • @MikeD_
      @MikeD_ Месяц назад +4

      Plan G HD makes a lot of sense for those who live in CT and NY, and a few other states. Not many promote it because their commissions are so much lower. At least that's my guess.

    • @RG-hf4et
      @RG-hf4et Месяц назад +1

      You have the benefit of no underwriting so it is ez for you to switch.

    • @conniesteinlicht8959
      @conniesteinlicht8959 Месяц назад +2

      In MINNESOTA you have to go through Medical underwriting. Wish I would have found this site before we made our choices. I received little information from my broker, I didn’t know the right questions to ask and he didn’t ask any questions.

  • @michaelcraig9227
    @michaelcraig9227 2 месяца назад +4

    Thanks for the additional information. A crystal clear explanation of the plan basics.

  • @lindamullens5545
    @lindamullens5545 Месяц назад +3

    I have received letters for the new year, my part D has been $9.90 and gone up to $45. My plan G is raising from $153.17 to near $185. I go to the doctor once a year for a valve check up. I take a statin and BP pill at no cost. You can believe I’ll be shopping to get the prices you have approximated. I’m in small town indiana.

  • @maido9434
    @maido9434 29 дней назад

    Hi Brian
    I always get the most information and understanding from your videos . Your explanation is very easy to understand . I had Medicare advantage for 12 yrs and after listening to your videos I was lucky to be able to change to plan G this year . However , after listening to this video I realized I have been paying too much for my drugs plan and my dental plan . I need to call your office and have a consultation with you ASAP . I had an opportunity to talk to you on the phone once and you had emailed me couple of times . I really appreciate your work and expertise in this field . I am from Waterford , Michigan

    • @medicare365
      @medicare365  28 дней назад

      Are you a client of ours? We don’t help people with Dental or drug plans unless they are clients. If you’re a client give us a call. Thanks!

  • @PeteLopenoMHE
    @PeteLopenoMHE Месяц назад +6

    I used to process claims for an insurance company. I saw plenty of claims where a specialty doctor (there are more than a few from Mayo Clinic here in WI), or a DME provider did not accept Medicare assignment. In the case of DME, they are not limited by the 15% either. So, for an individual who requires a CPAP machine in example, the excess charge rider may be worth it for them.

  • @lobby5t
    @lobby5t 2 месяца назад +2

    Very helpful, in a sea of bias and confusion! Much appreciated.

  • @zelmahensel9412
    @zelmahensel9412 2 месяца назад +5

    I’m 81 and going to go from advantage plan to medicare with a supplement. How much will plan G cost me here in Florida and plan N thank you

  • @adelinematusiak693
    @adelinematusiak693 Месяц назад +3

    Regarding Vision. I have plan F very pricey I’m 77. Medicare pays for Vision if you go to an Opthamologist once a year. So I have no need for a vision plan. I wish they paid for dental also. Thankfully I’m on only one drug and it’s not covered. I also go to a chiropractor. It’s only covered if I meet my deductible, but my cost is only 50.00, if covered cost is 25.00. I may check on plan G to see if cheaper in Illinois.

  • @roccodifranco7866
    @roccodifranco7866 Месяц назад +2

    Love my part G never had an unexpected cost after very small deductible. And no referral

  • @brin3m
    @brin3m Месяц назад +2

    as for ambulance charges I suggest you check your city and see if where you live that you are covered by the city. i needed to go to the emergency room in my city and because i was a resident i was not charged for the ambulance.

  • @markeaton7318
    @markeaton7318 2 месяца назад +9

    Yes, push Medicare Advantage Plans the highest agent commission payout!

    • @sbc383zz
      @sbc383zz Месяц назад +1

      Bingo!

    • @PatriciaBates-z7l
      @PatriciaBates-z7l Месяц назад

      @@markeaton7318 @markeaton7318 - yes agents get new cars, vacations, etc. to PUSH the Advantage plans. Why in the heck would they offer a Medigap when the bonuses are SO good when they sell an Advantage plan. It's disgusting, and so many hospitals are refusing the Advantage plans. I get that is all some can afford but to push it is beyond acceptable.

    • @joanclayton1181
      @joanclayton1181 Месяц назад +2

      Yes. Some agents push Advantage so hard to line their own pockets. So greedy and so sad!

  • @UncleDavesKitchen
    @UncleDavesKitchen Месяц назад +7

    My Plan N is now $106 a month. Only 1 physician out 3 that I see charges a co-pay which is always $9 a visit which is twice a year. It seems Medicare is closing plans that have no co-pays which might allow subscribers to visit the physician for unnecessary visits. Having a possible co pay might limit doctor visits that may not be necessary.

    • @medicare365
      @medicare365  Месяц назад

      Good point

    • @joniboulware1436
      @joniboulware1436 Месяц назад +1

      That is why co pay plans are cheaper. But I don't think too many people want to spend a lot of unnecessary time in Dr offices. Some specialists will not see you without your Dr reference.

    • @UncleDavesKitchen
      @UncleDavesKitchen Месяц назад

      @@joniboulware1436 Many unnecessary appointments made with physicians, primary or specialty. Also many unnecessary ER visits, I'm an RN, we call them the frequent flyer club.

  • @surfrunnerd8457
    @surfrunnerd8457 Месяц назад +2

    Thank you. Great info!

  • @beoz658
    @beoz658 Месяц назад

    Luckily I can afford plan G. My primary doc always ok's my requests to specialists I want to see.

  • @ggjr61
    @ggjr61 2 месяца назад +3

    Where I live most seniors I know are on MA and all but one of them pay a premium. They just like the cheaper co pays, co insurance and lower out of pocket maximums. They’re paying 35-85 a month and it’s still significantly cheaper than a supplement although most of them hadn’t heard of supplements until I told them.

    • @brin3m
      @brin3m Месяц назад +2

      we almost did that until we realized that if we wanted to travel, which we did none of the MA plans would cover us 100% if we needed doc or hospital care out of state. i thought that odd.

  • @mrsports400
    @mrsports400 Месяц назад +1

    Hi, I am still employed but will probably retie in 2025, sometime. For now I can get dental and vision coverage for about $20 a month until I leave the company without having to use their health plan. My question is, if I sign up for Medicare part G or N to begin January 1 do I have to sign up for vision and dental at that time, or can I wait until I retire and just add it then?

  • @daviddoss2804
    @daviddoss2804 2 месяца назад +9

    I think what most people don’t understand about the initial $225 deductible that needs to be met on the plan G or N Is that when you get a bill it is not the full retail price it is the Medicare negotiated rate which is much lower. I think that scare some people and they avoid going to the doctor because I think they’re gonna have to pay $225right off the bat, but that is not true.

    • @medicare365
      @medicare365  2 месяца назад +5

      Good point. No one should ever avoid going to the doctor… especially on Plan G or Plan N.

    • @delaineyjohnson8238
      @delaineyjohnson8238 2 месяца назад +2

      Payers do this in hopes of controlling how many visits a patient makes per year to their provider. There was a RAND experiment in the 70s when govt was debating a free, universal healthcare plan. Placing beneficiaries on high deductible plans the study showed payers could control patient visits, regardless of how much a doctor charged. But the problem was that more individuals had hospital visits in the long run of the study. Budgeting for hospital is often the focus for many. Yet lately I've found the less I go see a doctor the less ill I feel. Younger crowd of MDs are just businessmen and women.

    • @lisagerman2111
      @lisagerman2111 Месяц назад +3

      @delainey - I think your last thoughts (young dr.s are just business people) are a bit harsh. The reality of the American Healthcare system, specifically the insurance industry, requires that dr.s now have to be business people simply to navigate payment systems and algorithmic denials/approvals/billing & payment cycles/disputes, etc.
      I've never met a physician who would rather negotiate paperwork vs treating patients. If there is blame to be assigned re the American Healthcare system, it isn't with the boots-on-the-ground frontline health professionals.

    • @delaineyjohnson8238
      @delaineyjohnson8238 Месяц назад

      @@lisagerman2111 Honestly. It's with both. What I've seen in frontline health professionals working in and out of ICUs, assisted living facilities and other medical facilities is that there is a new breed of medical students that are just not equipped for bedside manner, nor understand that a patient may be having the worst day of their lives. They lack empathy. Most joke and make comments that is a complete violation of HIPAA (or at least what I taught). I love how everyone always points blame elsewhere when I've seen complete disregard and negligent treatment of patients with NO accountability. So seriously F off with the insurance pushing paperwork red tape excuse. You fucking take care of patients regardless or get the fuck out of hospitals and other medical facilities.

  • @R.LB-z9f
    @R.LB-z9f Месяц назад +1

    THANK YOU!! INFORMATIVE

  • @tovegoodness2642
    @tovegoodness2642 Месяц назад

    TY good info presented nicely and clearly

  • @kn2656
    @kn2656 Месяц назад +8

    For 2025, the Part D drug plans are much higher than 2024. Mine went from $10/mo in 2024 to $45/mo in 2025. Look at the 2025 plans due to the Inflation Reduction Act.

    • @medicare365
      @medicare365  Месяц назад

      Yes. They have gone up. ⬆️

    • @wendyalexander757
      @wendyalexander757 Месяц назад +1

      You need to shop around! My drug plan has been $9.80 mo. and was going up to $44.80 in 2025. So I have an agent who found me a great plan with Cigna for around $20.00. Also, the drug deductible is going up from $280 this year to $590 in 2025! It will help people who have to take tier 3 and 4 drug, as the maximum annual out of pocket will only be $2000 in 2025 vs. $5,030 in 2024!

    • @PatriciaBates-z7l
      @PatriciaBates-z7l Месяц назад

      @kn2656 - my drug plan Aetna Silverscripts went from $5.30 in 2024 to $40.30 in 2025.

    • @joniboulware1436
      @joniboulware1436 Месяц назад

      My drug plan went to $0 from $,50. But the deductible of $560 starts with Tier 3. The formulary coverages are worse.

    • @javenemorris3697
      @javenemorris3697 Месяц назад

  • @ChrisSadowski-pp1np
    @ChrisSadowski-pp1np Месяц назад +4

    Unless someone has a chronic condition like MS going into Medicare, most people would probably be best served going to N or HDG. Plan G by the time you're age 85 will cost a lot of people close to $500 a month in monthly premiums.

  • @KarynDoherty-v1i
    @KarynDoherty-v1i Месяц назад +4

    I pay 5400/YEAR for a Plan F Medicare plan in western NY

    • @BigFluffyPup
      @BigFluffyPup Месяц назад

      That's a lot.I couldn't afford that.

    • @joniboulware1436
      @joniboulware1436 Месяц назад +2

      Change it. You don't have to go through underwriting.

    • @Dbb277-2
      @Dbb277-2 3 дня назад

      $3,600 in Florida for the F and I never see a doctor.

  • @blu-r7h
    @blu-r7h 2 месяца назад +5

    I wish the premiums in my area (western NY state) were as low as you quoted. Each year the insurance companies go to the State to increase premiums and gobble up any Social Security COLA increases. I do my research and will changes companies. I am finding the different types of customer service the hard way but to filter out the differences is hard. I pay 20% of my budget for health insurance. The COLA doesn't reflect the actual cost of goods, etc. I just wish I could do better at knowing everything but I am finding i just can't get ahead anymore, even just a bit. Thank you, though, for helping with your videos.

    • @medicare365
      @medicare365  2 месяца назад +2

      New York has the highest cost.

    • @anniesshenanigans3815
      @anniesshenanigans3815 2 месяца назад

      Dump it.

    • @blu-r7h
      @blu-r7h 2 месяца назад +1

      @anniesshenanigans3815 I would love to. Unfortunately, due to my income, assets, and health conditions, I am hostage to what I have for insurances. My income is just above poverty limits so I also have a Medicaid spendown if ever needed. Still not eligible for any Medicare Savings Program. Very confusing and almost a Catch-22.

    • @saketashol6728
      @saketashol6728 2 месяца назад +2

      Leave NY!

  • @BigFluffyPup
    @BigFluffyPup Месяц назад +1

    My cost for care this year was $40

  • @dinobernardi170
    @dinobernardi170 Месяц назад +1

    Nice job!!!

  • @shirleysanchez1866
    @shirleysanchez1866 2 месяца назад +4

    My mother (87) has an advantage plan, she is aging, frail, but still in good health and no meds. However, I know that eventually she might have to go to the hospital or a skilled nursing facility . I wonder if it would be a good idea to switch her to have a plan G or N now that I know that hospital stay is expensive. PlanG OR N is probably very expensive at her age. Any suggestions?

    • @Indus5950
      @Indus5950 Месяц назад

      Best of knowledge, switching from MA to Supplemental plan is almost impossible with her age. Please correct me if I am not aware.

    • @pecosgroup
      @pecosgroup Месяц назад +1

      it is too old to get indemnity plan as well. We need to plan early

    • @Royce-e8h
      @Royce-e8h Месяц назад +4

      @@pecosgroupI live in TX. My mother came to live with me in August, and she is 83. She was approved for a hospital indemnity plan just last week. I don’t know if your mother will be approved at 87, but I would try to,see if she could get it.

  • @BigFluffyPup
    @BigFluffyPup Месяц назад +1

    My psrt C plan has a very wide network.

  • @robertbelar5341
    @robertbelar5341 2 месяца назад +3

    I keep my Tricare.

  • @bd12340
    @bd12340 Месяц назад +2

    People are going to be shocked like I was when the new part D for 2025 pricing is released. My 2024 is a 10.00/mo. With no copay for tier1. In 2025 my monthly premium will increase to 44.90 AND I will have to pay a deductible of 590.00 before I reach the initial coverage stage the the copays are 5.00 / 10.00 for tier 1 / 2. There is a max out of pocket of 2000.00 in the catastrophic stage.

    • @joniboulware1436
      @joniboulware1436 Месяц назад +3

      Checkout Wellcare. Don't go through an agent because Wellcare stopped paying commissions. My 2025 is $0 for what you describe above except Tier 1 is $0 ( Utah.)

  • @themojoewood
    @themojoewood 21 день назад

    Hi, Thanks for your video's. They are the best on RUclips. I currently have plan N for 2024 however I just got a notice that my plan N premium is increasing by 11% for 2025. I live the the SF Bay Area. I'm thinking about switching to Plan G. Do you have any information about how much plan G will be increasing for 2025? I am 68 and in good health. Thank you!

  • @kathysheppeard2178
    @kathysheppeard2178 Месяц назад +3

    I have plan F in Texas. It's $150 a month. They dontvpay for dental. The initial deductible is $200. My supplement is aarp united and they just went up to to $285 A MONTH. SO IM LISTENING TO SEE WHAT TO DO FOR 2025. I MIGHT TRY THAT PLAN G. BUT I NEED DENTAL. WITH PLAN F I CAN GO TO JUST ABOUT ANY DOCTOR I WANT TO.

    • @RG-hf4et
      @RG-hf4et 22 дня назад

      Look at Plan N & G. I have G. All of my md's are on it. People are dropping F bc it is getting to costly. None of these plans pay for dental. And the dental on Advantage Plans aren't that good. I know bc I am a dentist. They try to lure u with "dental" but it is breadcrumb coverage.

  • @gratefulpoppi
    @gratefulpoppi Месяц назад +1

    Really well done!

  • @MikeD_
    @MikeD_ Месяц назад +4

    BTW Totally off topic (mostly), but one of your competitors had an ad that popped up in your video. I doubt he controls that, but maybe you can request certain types of ads not run in your videos. That's the first time I've seen that watching Medicare videos on RUclips.

  • @HousBinPhartiin
    @HousBinPhartiin 2 месяца назад +1

    Great job!

  • @claudiaprice1018
    @claudiaprice1018 2 месяца назад +3

    I have plan G and husband has plan N. Why are we paying over $600 between the both of us for monthly premium?

    • @medicare365
      @medicare365  2 месяца назад +1

      Because you haven’t called me to try and save money. 844-552-7426

  • @sadie4me2
    @sadie4me2 Месяц назад

    What do those supplemental plants cost meaning do you have to prove medical insure ability? Example if I’ve had breast cancer, does that make me disqualified and if the cancer was three or four years ago?

  • @Mark-ur2il
    @Mark-ur2il 14 дней назад

    I live in Los Angeles. There are 25 companies for a G plan ranging from $160 to $290. Are you saying the benefits are exactly the same? No limitations on which hospitals or doctors? It's hard to figure out which company/price....????

    • @medicare365
      @medicare365  14 дней назад

      Get a broker that will help you.

  • @judieloux3610
    @judieloux3610 Месяц назад

    We are residents of SD, my husband pays over $300, for plan G.

    • @RG-hf4et
      @RG-hf4et 22 дня назад

      Look at Plan N. It is very similar to Plan G. I have G and am switching to Plan N. The increases over your lifetime will be less expensive with Plan N.

  • @CryptoSurfer
    @CryptoSurfer 2 месяца назад +8

    Excess charges can only be applied by doctors who opt out of Medicare and don’t accept assignment

    • @medicare365
      @medicare365  2 месяца назад +3

      True...Thanks for commenting

  • @joycewedel9084
    @joycewedel9084 Месяц назад

    Ty

  • @brin3m
    @brin3m 28 дней назад

    i just checked the N plan and compared it to my current G plan with the insurance company i have. the N plan is only $3 cheaper a month and $20 dollars each doc visit. can't figure out if a copay is for primary care doc visit or PT visits. How do I find out that? do i have to call the company? because i had 18 visits to date with more coming in the next 2 months for different docs and PT so I would have ended up I believe paying more for a plan N than staying with the plan G. Is that right?

    • @RG-hf4et
      @RG-hf4et 22 дня назад

      Percentage wise, your increases over the future years as are higher with Plan G. Plan G has millions more participants than Plan N. That why Plan N will cost u les a overall in your lifetime....Also, check different insurance companies for their G & N prices.

  • @masoncnc
    @masoncnc Месяц назад

    Our plan G went up $100 moving from CA to NC.
    WTH?
    Have to say the service and quality is much better 🙏💪

  • @jenniferbrown787
    @jenniferbrown787 Месяц назад +1

    My 89 yr mom is on plan J. Do you know if this is still okay to use?

    • @medicare365
      @medicare365  Месяц назад +1

      Yes. Plan J is the best. Keep her there if you have the money to. What state, zip code does she live in?

  • @davidmotley4207
    @davidmotley4207 Месяц назад

    BTW, $185 is for Part B only since we have to contribute 1.5% of our gross income toward FICA every year we work. For a $100K salary, that is about $130 a month. For an individual who worked 40 years, that is about $62K as face value. If he lives 30 years after retirement (65), its face value, w/o years of IR applied is $172 a month. With interest applied, it could be $300+ per month.

  • @tomw7026
    @tomw7026 Месяц назад

    I currently have an advantage plan that is being dropped. I would love to get a Plan N, but unfortunately only G is automatic issue.

    • @karengerace7506
      @karengerace7506 11 дней назад

      I have been on Plan G for 5 years and have never regretted it. Two surgeries((open heart for one) and never paid a penny other then monthly premium

  • @barbwilson704
    @barbwilson704 2 месяца назад

    Hi - thank you for your video. CAn you tell me what the best price is for plan D plan in the state of Illinois. Thank you

  • @BigFluffyPup
    @BigFluffyPup Месяц назад +1

    My out of pocket will be $3400.

  • @johnwm7039
    @johnwm7039 2 месяца назад +4

    Would be nice to include Florida in your premium examples given how many retirees are there & would be helpful to determine whether to move there. I pay way above your quoted averages for a Florida Plan G - $234 AARP/United Healthcare

    • @medicare365
      @medicare365  2 месяца назад +1

      This is why I say average. If you want a personal quote please call my office 844-552-7426.

    • @x.y.7385
      @x.y.7385 2 месяца назад +1

      Please post how much. Im in CT and will separately post what I pay for the supplements. Have you considered a high deductible plan G?

    • @jupiterglow
      @jupiterglow 2 месяца назад +1

      And NY. Supplimental plans are out of reach. G is at $400!

    • @debbycoffey4788
      @debbycoffey4788 Месяц назад +2

      Its rediculous! I dont understand how it is legal for insurance companies to charge that much compared to other states. What is the reasoning. Im in NY also and in 2024 i pay $210.73 for Plan N. O dread what 2025 will cost. Im still employed part time at 70yrs old just to pay for premiums. Trying to leave NY state ASAP!​@@jupiterglow

    • @joanclayton1181
      @joanclayton1181 Месяц назад

      I am in Florida. Age 65. I pay 128.00 for Plan N in 2024.

  • @NoMoreTears64
    @NoMoreTears64 2 месяца назад

    So is it definite now that it is 185.00 month for the Part A and B? I know it's 177.70 now. I dont start until Dec 1.

  • @annlolmaugh4491
    @annlolmaugh4491 Месяц назад +1

    Been on Medicare since 1998 I never heard of N. Or G plans.wtf no insurance company explained this.I talk to several every year.

  • @generic_official
    @generic_official Месяц назад +1

    What about riders? Is something like a cancer rider needed, or does a supplement plan make that unnecessary?

  • @sbe8544
    @sbe8544 2 месяца назад

    Good analysis

  • @BigFluffyPup
    @BigFluffyPup Месяц назад

    How long can the government pay for any doctor, any time, anywhere with no limits?

  • @MikeJ-h1u
    @MikeJ-h1u 11 дней назад

    What about charges for rehab pulmonary etcl.

    • @medicare365
      @medicare365  10 дней назад

      You have to ask a more thorough question.

    • @MikeJ-h1u
      @MikeJ-h1u 10 дней назад

      What about co-pays on the medigap N plan for pulmonary therapy

  • @cvcoco
    @cvcoco 15 дней назад

    I have Plan G in California and the rate is I think the highest anywhere. If I am living in my van, traveling the country, with no more California address, what is my rate?

    • @medicare365
      @medicare365  14 дней назад

      The highest is NYC… $306 a month plan g

    • @cvcoco
      @cvcoco 14 дней назад

      @@medicare365 Yes. CA for me is $256 next year. But again, if I am not in CA anymore but traveling, what is my rate? Do I have to change addresses for each state I travel through? If I had to do that, will my rate change every week?

  • @Shortie5-1
    @Shortie5-1 Месяц назад

    The advantage Plan c max out-of-pocket is $6000 is reached after that the plan pays 100% for that year.

  • @BigFluffyPup
    @BigFluffyPup Месяц назад

    Yes please state the cost of plans g/n at 85 years old. I'm not getting a raise

    • @medicare365
      @medicare365  Месяц назад

      Yeah Big Fluffy…. I like that call sign!

  • @BigFluffyPup
    @BigFluffyPup Месяц назад

    Do you get paid more to sign up old folks for plans g and n than part c?

    • @medicare365
      @medicare365  Месяц назад

      I can disclose that information Big Fluffy… that’s top secret information

  • @anitab5531
    @anitab5531 26 дней назад

    I'm thinking plans, but what about plan D for drugs. I take about 8 prescriptions due to a heart stint and diabetes.

    • @medicare365
      @medicare365  25 дней назад

      It’s different for everyone. You have to run your drugs on Medicare.gov

  • @LONEWOLF6523-gc3dv
    @LONEWOLF6523-gc3dv 8 дней назад

    Medicare Advantage isn't very user friendly when you need surgery-a non MD will be deciding IF/WHEN YOU GET SURGERY.

  • @kathysheppeard2178
    @kathysheppeard2178 Месяц назад

    My medicine costs me about $100 a month. PLAN f does not pay for medicine or dental.

  • @Jdw6848
    @Jdw6848 2 месяца назад +9

    I found the dental plan worthless they only cover silver fillings and if you need a second root canal they don't pay,

    • @medicare365
      @medicare365  2 месяца назад +4

      Dental coverage tends to be be bad

    • @TenMinuteTrips
      @TenMinuteTrips 2 месяца назад +4

      I think that dental insurance as a whole, is a ripoff. Even the dental insurance options offered through my former employer’s health insurance offerings, were almost pointless. Medicare dental coverage is even worse. I have to tell my dental hygienist, that no, I can’t do cleanings and exams three times a year. It’s not covered.

    • @vgshwk
      @vgshwk Месяц назад +3

      If you can afford it have your dental work done out of county.

  • @sadie4me2
    @sadie4me2 Месяц назад

    Do these supplemental plans require medical insurability proof? Other words if I am a breast cancer survivor will they even cover me my cancer treatment and three or four years ago last I heard they wouldn’t even cover me because of this pre-existing condition.

    • @medicare365
      @medicare365  Месяц назад

      You’d have to speak to one of our agents to answer those questions.

  • @hectorGomez-y6j
    @hectorGomez-y6j 2 месяца назад

    CAN YOU SWITCH FROM ADVANTAGE BACK TO REGULAR?

    • @medicare365
      @medicare365  2 месяца назад

      Yes and no. Depends on your individual situation

  • @desilu-stage9
    @desilu-stage9 Месяц назад

    If I'm injured in an auto crash, the insurance company pays.

  • @janicemcgatlin4840
    @janicemcgatlin4840 2 месяца назад +2

    So if I call you, would I get you or someone else on your team? I live in Arkansas. I won't be 65 until March 2025.

    • @medicare365
      @medicare365  2 месяца назад +5

      You can schedule an appointment with me. I’m pretty sure I’m the only one licensed in Arkansas. Keep in mind for everyone reading this… most of the people on my team are 50 and above and some are actually on Medicare so we are all very knowledgeable and experienced.

    • @wendyalexander757
      @wendyalexander757 Месяц назад

      @@medicare365

  • @joncavallo4391
    @joncavallo4391 2 месяца назад

    Do you cover people in Wyoming?

  • @ninastump7616
    @ninastump7616 2 месяца назад

    thanks

  • @AngelEyes-xm7el
    @AngelEyes-xm7el Месяц назад

    Oh my gosh i will have to live off 700.00 a month. I am better off dead

    • @CLOLopez-fo8tu
      @CLOLopez-fo8tu Месяц назад

      Oh! Don’t say that! I’m sure that there’s a solution somewhere!

    • @AngelEyes-xm7el
      @AngelEyes-xm7el Месяц назад +1

      @@CLOLopez-fo8tu nope. Been searching 7 months. Nothing. My car is my home.

  • @medicare365
    @medicare365  2 месяца назад +12

    Will you change your Medicare plan for 2025?

    • @paulad6728
      @paulad6728 2 месяца назад +3

      I switched from G to N

    • @zelmahensel9412
      @zelmahensel9412 2 месяца назад

      @@medicare365 yes I plan on changing it for 2025

    • @tarakennedy3041
      @tarakennedy3041 Месяц назад +1

      Not sure, have N, probably will stay with it as it worked well.

    • @SandraCollins-fv3bb
      @SandraCollins-fv3bb Месяц назад

      I switched companies and saved 156.$a month with plan f to G with same benefits

    • @decoro5856
      @decoro5856 Месяц назад

      @@SandraCollins-fv3bbcan you share insurance company name?

  • @BigFluffyPup
    @BigFluffyPup Месяц назад

    Wrong information. My mri is $140. ½ of what you claim. Stste how much psrts g/n cost fot 80 year old. You state cost for 65 y o onlu

    • @joniboulware1436
      @joniboulware1436 Месяц назад

      The number of possible pricing combinations makes that impossible don't you think?

  • @bosik4772
    @bosik4772 2 месяца назад

    Your comments about Irmaa are ridiculous!

    • @x.y.7385
      @x.y.7385 2 месяца назад

      How so?

    • @bosik4772
      @bosik4772 2 месяца назад +3

      Irmaa is applied with income over $200k, and progressing to total over $500 per month with income over $350k.
      This is huge amount for families when this is a one time annual income.
      Nobody addressing it…

    • @TenMinuteTrips
      @TenMinuteTrips 2 месяца назад

      @@bosik4772The video briefly touched on IRMAA toward the end of the video, but that’s not what this video was about. Also, your numbers are a bit off in accuracy. The lowest end of the sliding IRMAA scale for Part B and D is $103,000 to 129,000, for a person who filed as single, two years prior to signing up for Medicare Part B. I just retired in August of this year, but I earned $120,000 or so in taxable income for 2022. That puts me in the lowest end of the five scales. That means that I will be assessed an IRMAA add-on in 2024, for my taxable income in 2022 and will likely pay an IRMAA assessment through to 2026. I just retired, so my taxable income will drop off precipitously for the next couple of years.
      If you’re married, filing jointly, and if you or your spouse still has a high paying job or declared income source, you will likely still be subject to the IRMAA assessment. It’s not a one-time, forever, income assessment. It goes back only to two tax-years prior, and is reassessed annually. Hope that helps.

  • @JudyGerbig
    @JudyGerbig 2 месяца назад

    What about Plan F for 2025

    • @medicare365
      @medicare365  2 месяца назад

      What about it?

    • @deannanance8843
      @deannanance8843 Месяц назад

      I thought plan F was discontinued unless you had it for years already?

    • @JudyGerbig
      @JudyGerbig Месяц назад

      @@deannanance8843 I have had it since 2018. I’m 80.

    • @lindamullens5545
      @lindamullens5545 Месяц назад

      I was grandfathered in, but they raised it so high it was unattainable for my income and one visit a year. Had to give it up. It saved me $660 a year even after the then just under $200 deductible.

  • @toma768
    @toma768 2 месяца назад +5

    Sick of this type of $ analysis. It is very simple. If you are and think that you will heathy, then pick N to save a few hundred dollars. A better choice may be advantage plan, save you a few thousands (why NOT).
    If you have some health issues and want peace of mind, then pay a couple hundred dollars and pick plan G. It is just hundreds of dollars different not thousands.

    • @chuckg6039
      @chuckg6039 2 месяца назад +6

      Way too simplistic. Glad you aren't an agent

    • @ricfax
      @ricfax Месяц назад

      ​@@chuckg6039 : Don't assume. Might be an agent.

    • @ItsMe-rr9nh
      @ItsMe-rr9nh Месяц назад

      I will still pick Plan G as I am not going to gamble on my health 5-10 yrs down the road. I am pretty much healthy now, and am 5 months out of being age 65

    • @chuckg6039
      @chuckg6039 Месяц назад +1

      @@ItsMe-rr9nh your pick. I'll stick with N and save significantly and still have 99 percent of a G plan

  • @lisalinnae9844
    @lisalinnae9844 Месяц назад +1

    Thank you. You explain this so well. Appreciate: Wrote down your phone number.