I'm concerned about our premiums for part D going up tremendously for those of us not on any drugs at all. If we don't buy a plan when we go on medicare then we will be permanenty penalized. Plans tgat were $.50 to $20 per month I'm scared are going to skyrocket. Lawmakers change laws and don't seem to anticipate the consequences of their laws as they tell everyone the charges they make to make our lives so much better. How do they think their actions can control private companies. The insurance companies need to make a profit or they can't stay in business. If I do get sick, I want the best drug available to me. When I get on a plan, with no need for any drug, I don't even know the name of a potential drug I may need in the future. So how will I even know which drugs to look for being offered in the formulary? Scary what is happening now after Congress got involved trying to fix problems people were having paying for drugs they needed. Now everyone is affected (I have another word I wanted to use but keeping it clean)
@cbhealthinsurance3621
Ай бұрын
@micheleyoungblood You are correct! it is very concerning; so many people on Medicare (both over and under 65) are on fixed incomes. They have been getting hit left and right by inflation, and while inflation is back down, I saw a report today that the cost of food is up 20% from a few years ago. 20%!!!! I am anxious myself to see the changes come fall. We have hundreds and hundreds of clients, and I'm hoping that they still will have affordable options. My motto has always been: "It's my policy to get the best policy to suit your needs AND budget." Lets hope there are some affordable options still left. P.S. I have a feeling more and more people will be looking at Medicare Advantage as an option.
@micheleyoungblood
Ай бұрын
@@cbhealthinsurance3621I have decided after studying Medicare now for 2 years, to stay away from Medicare Advantage.
@JeannetteShoreland
Ай бұрын
Another great video!
@cbhealthinsurance3621
Ай бұрын
@JeanetteShoreland Thank you! Much appreciated.
@cookiebuzz
Ай бұрын
My part D sucks anyway!! About 70% of the time I use Good Rx or Costco. Sad that they are so much better than my insurance!!
@cbhealthinsurance3621
Ай бұрын
@cookiebuzz. Yep, but at least you have that option. I had heard that the # of people on Medicare using Good RX to fill prescriptions (or maybe it was the % of prescriptions?) is way up. I also learned years ago that Costco has the BEST retail drug prices! And you don't have to be a member to use their pharmacy.
@nodaknorskie1486
Ай бұрын
Did you go to Part D, insert the drugs you take and they will show you which drugs are tier 1, tier 2, or tier 3. Then the possibilities are listed. You have to pay attention to each of the plans to see what the best option is.
@cookiebuzz
Ай бұрын
@@nodaknorskie1486Thanks. I have the Wellcare formulary book showing all the meds and the tiers. Hardly anything I take is tier 1..or even 2.
@taradactyl5690
Ай бұрын
I don't know who to call to determine if my part D coverage is the best for me. Seriously who do you call? I currently have WellCare, I don't know if I can do better? Again no one explains my options and no one gives recommendations. I live in Illinois too, south suburbs.
@user-xh4ip8kv2s
Ай бұрын
The North Carolina Department of Insurance (NCDI) has a program named Medicare and Seniors' Health Insurance Information Program (SHIIP). They have counselors (who are not licensed insurance agents, but are trained, highly knowledgeable, friendly people) that you can call and they will answer your questions about Medicare. Each fall I call and ask a counselor to help me figure out which Medicare insurance provider is best for me for the coming year. The counselor asks what Medicare plan I have, what prescription drugs I'm taking, etc. and then they tell me the best (lowest cost) provider for me given my personal information.. Sometimes I ask about other providers so I can compare. I might prefer a provider who costs a little more because of their reputation. Also, I think there is written information and ratings of the insurance providers on the NCDI internet site. The NC SHIIP internet site states:that the counselors do not endorse any product, plan, or company and I have found this to be true. They also provide help with health insurance problems people run into during the year. I encourage you to check with your state' Department of Insurance to see whether there is a similar program. I love the NC program.
@taradactyl5690
Ай бұрын
@@user-xh4ip8kv2s Thanks friend, I located the website.
@cbhealthinsurance3621
Ай бұрын
@tardactyl5690 Our office can assist you, but you have to now wait until the annual open enrollment to shop for next year. That starts October 15th. If you want to reach out to my office in advance, we can get some preliminary info now so that we are ready to help you come October 15th. You can complete a form on our website to be contacted at www.cbhealthins.com WellCare is a good card and has excellent plans. We are licensed with all Part D plans in the state of IL and can shop for the BEST plan for you for 2025 based on your medications. Just contact us and we can start that process now.
@taradactyl5690
Ай бұрын
@@cbhealthinsurance3621 Thanx, I will
@cbhealthinsurance3621
Ай бұрын
@taradactyl5690 Hi Tara, I don't think you have reached out to our office yet, but let me provide a link to a form that we use when people want to shop for the RX coverage. It is a SECURE link that is returned to ONLY our office and not shared with anyone. It asks all the pertinent info we need to check RX plans for you, including where you are located - RX plans are offered based on your county and zip code. While you can really shop now, we can load your info into our Medicare RX quoting engine - I am licensed with every single Medicare RX plan in the state of IL. We can have this ready and reach out to you in October to see if you list of medications have updated; then help you shop during the annual open enrollment Oct 15th - Dec 7th. Our office can touch base with you now to go over a few things, but again, if we can get your info in advance of AEP, that will make it easier for us to contact you and work with you. Here is the SECURE LINK to our online MEDICARE RX quiz: content.leadquizzes.com/lp/tPpQGYp2bQ I look forward to helping you find a plan for 2025 that covers your medications and works with your budget! Cathy P.S. In case anyone reads this post later in the year, our office has a tool that anyone that lives in IL can use to shop ALL plans that we are licensed with in IL for both Medicare RX (Part D) and Medicare Advantage (Part C). While I am licensed with BCBS of IL, they don't release their info to any of these type of quoting engine websites; so unfortunately, you can't see their info here. On the MAPD side, we are licensed with most of the top carriers. There are a handful that recently entered the market, offer HMO only, or have no star ratings that we don't sell. SHOP FOR RX AND MAPD in IL: www.sunfirematrix.com/app/consumer/yourmedicare/1879400/#/
@im_agine852
Ай бұрын
So, I did some research,and I found out that I can opt out of plan B by sending back my Medicare card by July 1. I got it in the mail on June 21. Is the only way I'm going to find out, by my SS direct deposit being short by $174? Thank you for your channel.
@micheleyoungblood
Ай бұрын
What will you do for medical insurance? You qualify for Medicaid? If not you better not send your card back and get off Part B When you want it, again, you will have a penalty permanently attached to the monthly premium you are going to pay
@cbhealthinsurance3621
Ай бұрын
@im_agine852 So sorry for the belated reply; if you have Creditable coverage (such as through an employer group health plan), then yes, you can opt out. But like @micheleyoungblood said, you don't want to go without insurance. If you qualify for Medicare AND Medicaid, Medicaid will PAY your Part B premium! Good luck to you
@mjemigh3304
Ай бұрын
You need ominous music to intro your "Beware!" videos. Maybe steal a few seconds from one of the 1930s Universal monster movies. Anyway, I'm all for free enterprise, but the greed and underhanded lobbying methods of the pharmaceutical outfits does call for action. Sadly, without better options, that falls to government.
@cbhealthinsurance3621
Ай бұрын
@mjemigh3304 That's a great idea! Next time I do a 'scary video' I'll ask my video editor to add some scary music. Love it!
@melitravelbug
Ай бұрын
Will Medicare still cover Mounjaro in 2025?
@cbhealthinsurance3621
Ай бұрын
@melitravlebug It's anybody's guess what drugs will be covered under the C and D coverage. Don't know!
@mariaguadaluperizo8661
Ай бұрын
❤desprogramacion mental al infinito❤la verdad de los controladores de los umanos y como ser libres jonas l.mamani Hipnosis❤no teman la luz ya tomo el control❤la muerte no existe❤todos vamos acender ala 5 D❤❤❤
@beeonthyme5760
Ай бұрын
Your speaking voice starts out clearly at the beginning of your sentences..but melts away to a crackly vocal fry toward the end of your sentences. Your voice gets lower as you get farther into the sentences and crackle. I know you can speak clearly because you do it, then ....5:00 ...6:33...6:54
@cbhealthinsurance3621
Ай бұрын
@beeonthyme5760 I'm hoping my new speaker will fix this. Didn't get it hooked up for this video. Most people hear the audio with no issues, but a few people have had problems. When I listen back to the video, I don't hear the changes that you mention in the sound or clarity. And I have no guess or reason why some people have issues - I am technologically challenged myself! But hoping that the new speaker fixes this. You'll have to let me know what I post my next video. Thanks!
@cathy579
Ай бұрын
I’m subscribed to all videos but just happened to run across this one 9 days after it was posted. I didn’t get a notification. What do I need to do to get them? Your videos are very informative.
@cbhealthinsurance3621
Ай бұрын
@@cathy579 Hi Cathy, I'm told that you need to hit the little bell when you subscribe and this will notify you. When you are on KZitem, the little bell is in the upper right hand corner to the left of your photo; it should show the # of new messages/videos you have. My comments pop up here but also new videos for other channels I've subscribed to. Hope this helps! Cathy P.S. As mentioned in my videos we release videos 2 times a month. The next one is scheduled on July 25th and will be all about what is covered under Medicare Part B. Stay tuned! 😀
@cathy579
Ай бұрын
@@cbhealthinsurance3621 I hit that little bell months ago. ☺️
@michelb.8953
Ай бұрын
I need more information regarding Medicare Part A and B with a Med Supp Policy vs being on an Advantage Plan. If you've done a video on this will you let me know the name of the video. As far as I know, Medicare is just Part A and B, which is hospital stays and doctor visits. It appears if you want to add Plan C, D, or Medigap you have to go through an approved private provider like Blue Cross, Humana, or some other to get on an Advantage plan. Correct me if I'm wrong, I'm no expert. Even with Medigap it appears you still get stuck with large bills and high deductibles, because Medigap doesn't kick in until you've spent a lot already. A slightly lower deductible on an Advantage plan makes your premiums really jump up there. If you get an Advantage plan that gives you Plan C, D, and Medigap it looks like you'll end up paying more money out-of-pocket if you have a lot of medical issues. Looks like Medicare A & B with a Medicare Supplement plan might be better. And that is my question, which one is better? A Med Supp or Advantage Plan? I know you can't get a Med Supp policy if you have an Advantage plan. A Med Supp plan may be expensive, but it pays everything that is your out-of-pocket as long as Medicare pays their part. Meaning if it's a Medicare approved expense, the Supp policy will pay the difference after what Medicare pays. It seems like you wouldn't have any left over bills with a Med Supp plan vs. an Advantage plan that you'd still have to pay your 20% or higher on top of your deductibles. And 20% (or more) of a hospital stay or surgery could be a big amount. I just wondered if you've discussed a Med Supp vs Advantage plan regarding what expenses you might be stuck with. Thanks.
@micheleyoungblood
Ай бұрын
You are far off on what you have said I can't even go into answering your questions. Supplement plans have low deductible. Not sure where you are coming up with what you are saying. I recommend you research ALOT more utilizing the many excellent videos and agents teaching here on KZitem. It seems you are confused
@cbhealthinsurance3621
Ай бұрын
@michelb.8953 thanks for your questions! Happy to help... and yes, I did a few videos on Med Supp vs MAPD! Actually if you scroll down to the playlists on my Home page (www.youtube.com/@cbhealthinsurance3621) you will find a playlist of Med Supp vs MAPD plans. But I'll reference a few videos here: Medicare Supplement vs Medicare Advantage - kzitem.info/news/bejne/yZCX1GZ3bpGQY34 What is a Medicare Advantage plan? - kzitem.info/news/bejne/0WiY1o2VhZGZlXo Medicare Supplements Explained! - kzitem.info/news/bejne/2YyMsq6MsJaqgGk Other videos discuss misconceptions of Med Supp plans, what's the BEST Med Supp plan, why many people are choosing Med Adv today, what's the best MAPD plan, and more. You did have some info correct, but I'm sure you can agree that the Alphabet Soup of Medicare is quite confusing! Quick Summary: Med Supp will cost you more in PREMIUMS, but will cover nearly everything if you have a CLAIM or use the insurance, minus a very small annual deductible for Part B (currently at $240)....if you buy Plan G supplement. MAPD will cost very little in Premiums - many plans are $0/month! However, you will pay for all services if you have claims, usually in the form of a copayment for specialists, tests, surgeries and hospitalizations. There is a Max out of pocket you will pay worst case scenerio - usually $4000-$6000 annual. Depending on your age, smoker/nonsmoker, and zip code, lets say a Med Supp and drug card costs $200/month, that is $2400/year, but you only have to pay $240 deductible and copays on RX. VS A Med Advantage with a $0 premium and max out of pocket of $3700. Which is better? That depends on how you answer these questions: How many claims do you have per year ie what do you estimate your copays to be? Do you have the money to pay the Out of Pocket? If you go 4 years without a major claim, are you better off with MAPD? And of course: Can you afford the med supp and RX? (If you budget is UNDER $100/month, I always recommend MAPD.) Many people on Med Supp CHOOSE to pay the higher premium in case something happens and because they have the money. Are your Dr.s in the Med Supp or would you prefer to go to ANY Dr. in the country that takes Medicare? So the best for YOU depends on your situation. And lastly - you can change to a med supp and RX during the AEP from Oct 15th- Dec 7th. BUT... Apply for the Medicare Supplement FIRST... it is not guaranteed to be issued outside your initial enrollment. Good luck!
@michelb.8953
Ай бұрын
@@cbhealthinsurance3621 Thank you for all this information.
@michelb.8953
Ай бұрын
@@micheleyoungblood It depends on your salary if an expense is high or not. What supplement plans are you talking about, because the agent didn't have any trouble understanding what I was asking. I was talking about a lot of variables, so maybe you got lost.
@micheleyoungblood
Ай бұрын
@@michelb.8953 i did get lost because you were not describing a supplement plan correctly. The agent answered explaining the supplement pays everything which you were saying the opposite.
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