Super informative videos, THANKS! Am I allowed to transfer my Medigap plan G to your agency? I’d like the to use your vast knowledge and experience in the future? I am beyond the six month trial period for signing up. Also, I have a congenital heart valve problem that may?? be a problem with health questions if I were to switch providers of my plan G. But, I would be happy to stay with my current provider, UnitedHealth, AARP, AND switch to BabyBoomers. (I wish I knew about you more than a year ago. Shoulda, woulda, coulda.)
@BoomerBenefits
5 жыл бұрын
Hi Mark, we are so happy to hear you want to make the switch to Boomer Benefits. Give us a call at 817-249-8600 and you can talk with an agent to figure out if you would be able to pass underwriting.
@norman_5623
3 жыл бұрын
This is a sales presentation, by an insurance agency, designed to get you to buy insurance through them. OTOH, I don't begrudge a salesperson trying to sell her product; that's her job. OTOH, a salesperson's interests are not identical to yours. After ploughing through a dozen Medicare sales presentations, I finally heard a talk by a union benefits manager who used to be an assistant insurance commissioner and consumer advocate in New Jersey. After listening to him, I decided on Plan F, because I'm risk adverse. I didn't want to risk getting enormous co-payments and deductibles. I also didn't want to risk enrolling in a plan that didn't let me choose the doctor I wanted. He said that all Plan Fs had the same services, so pick the cheapest one, which then was UnitedHealthcare (through AARP). He also mentioned that we would all be better off with a single payer health care system like they have in Canada or England, which cost about half as much as ours, with about the same outcomes. (Would you rather pay $10,000 a year in insurance payments or $5,000 a year in taxes?) Unfortunately the insurance industry (like AARP) has paid too much money to politicians (like Biden) to make that easy. (Not impossible.) I was hoping Bernie Sanders would be elected president in 2016 or 2020, so I could get my dental work and hearing aid. That was not to be. As economist Robert Reich told his students, "I'm 75. It's not my problem. It's your problem." Kids, over to you.
@djmclaughlin56
3 жыл бұрын
@@norman_5623 Norman maybe you should move to Canada.
@TK-cl1jm
3 жыл бұрын
@@norman_5623 Terrible advice to got.
@pyattg
3 жыл бұрын
@@norman_5623 Plan F is no longer available for those new to Medicare.
@wk845
3 жыл бұрын
I have read about and watched a lot of videos concerning Medicare. This video is the the best BY FAR of any I have viewed. I did not encounter the audio problems described by some. Regarding choices, I’m squared away on Medigap vs. Advantage. The difference between them is predictable monthly premium costs (Medigap) vs unpredictable, but capped, out of pocket costs (Advantage) . If one develops chronic health problems, then Advantage costs will be higher for sure. We have terrific (but pricy) PPO coverage under my employer’s retiree healthcare, but must transition to Medicare at age 65 (I retired 18 months prior to turning 65). My wife is nine months older than me so she is first to make the transition. We have chosen to go the Medigap route since it is most like what we have now and will cost less if chronic health problems develop in the future. I’m posting this just as a frame of reference for others viewing this video.
@BoomerBenefits
3 жыл бұрын
We are so happy to hear that! Feel free to reach out to us if you'd like help with your Medicare plan shopping.
@amae54
3 жыл бұрын
WOW , What a thorough explanation. Had I listened to all this from the get go I would have saved myself a lot of grief and stress with all the conflicting info out there. Thank you. Excellent !
@MMonkelis
4 жыл бұрын
If you're ready to sign up for Medicare, you should really watch their videos. Most straightforward and concise videos I've ever encountered on any subject. 10 Stars! **********
@BoomerBenefits
4 жыл бұрын
We appreciate those kind words, Mel! Thank you!
@michaelplunkett5124
2 жыл бұрын
This is excellent. it’s in total contrast of the garbage one reads in the main stream media. And for that matter on the Internet. seemingly Medicare advantage plans have a lot of enemies in the fifth estate. But you treated fairly. I’m a 76 year old internist Who has chosen a Medicare advantage plan for its cost benefit. To me it’s essentially like an HMO and most of the new Medicare enrollees are familiar with HMOs.( As an aside, we make decent money from Medicare advantage plans. We make usually 130 to 160% of traditional Medicare.) Our plan was probably exceptionally well run. We were able to make a decent income and could still refer patients out to nationally recognize centers of excellence for unusual problems. We sent one lady to the Cleveland clinic to have a special device woven in New Zealand and intravascular placed to stent an aortic aneurysm. And it cost the patient nothing! Thanks again for your excellent presentation.
@BoomerBenefits
Жыл бұрын
We're always here and happy to help! :)
@rockslide4802
5 жыл бұрын
I live in California and am covered with a Medigap plan I purchased through Boomer Benefits. Very happy with my plan. I do have a friend who lives in New Jersey who is fast approaching age 65. If she also chooses a Medigap plan (not Advantage) could she switch plans after one year -- without medical underwriting -- if she elects to change to a different Medigap plan? Thanks for all your helpful videos. They were a huge help during my transition into Medicare!
@BoomerBenefits
5 жыл бұрын
If she is outside of her one-time 6 month open enrollment period for Medigap and applies for a new plan, she'll have to answer health questions.
@tazgo20021974
5 жыл бұрын
Wonderful breakdown, thanks. I live in Utah and am so very confused
@scottroder5516
3 жыл бұрын
Is the VA healthcare system considered out of network on most Advantage plans? Boomer Benefits this is important to me
@BoomerBenefits
3 жыл бұрын
Medicare cannot pay for any care that you receive at a VA facility. You only can use your VA insurance at the VA, and your Medicare Advantage plan at a civilian doctor/hospital.
@dianneperry840
3 жыл бұрын
I first took Medicare advantage, I had huge co-pays 350.00 for everything. I couldn't afford to go to the rest of my post-surgery appointments until I was able to pay off all the excess payments. Then changed to a supplemental plan. It costs a bit more monthly but at least I don't have to come up with 350.00 for vivits, blood work etc.
@stevensharpe2785
3 жыл бұрын
Very informative. You cut through all of the BS that most sites throw at their audience and explain the options in a non-biased format. Thank you.
@marilynskrepich3238
3 жыл бұрын
She is very good explaining the difference between Medicare Advantage and Medicare Gap...
@101evo
4 жыл бұрын
Thank you so much for a really good break down of the system that we can understand.
@BoomerBenefits
4 жыл бұрын
We're happy you enjoyed it! Thanks for the comment.
@tonys5317
3 жыл бұрын
Danielle - You really do a great job on the videos. Just an FYI. I called your 800 number last year and no one returned my call. I did what I needed to do, but was disappointed in not getting a return call.
@pauladempsey6806
3 жыл бұрын
I LOVE original Medicare Parts A & B and my AARP United Healthcare (UHC) medical supplement Plan K. As a Type 1 diabetic (since age 9 years) on insulin, I LOVE that Medicare Part B and AARP UHC pay for insulin, insulin pump supplies, a continuous glucose monitoring system (CGMS) and its supplies. Yes, I have a Part D Rx plan; however, it costs a LOT more to use the Part D Rx plan for insulin than original Medical Part B and AARP UHC, and years ago when I first went on Medicare, I was told to use Part D Rx plan for "all medications" by a SHINE volunteer who had NO CLUE what she was talking about. Yes, I pay about for these 3 policies; however, with insulin at $322 a bottle without any insurance, I'm delighted to pay for coverage. I use a bottle of insulin every 9-10 days. NO ONE should sign up for an Advantage plan. It is a total rip off! I don't have co-pays. I don't pay to see a doctor at the time I visit the doctor's office, I wait until Medicare pays and then wait to see what AARP UHC pays, then I pay my very small percentage by mail, if anything is due at all. I select my own doctors, rarely need a referral and I treat with only the best. I am not handicapped by an Advantage plan's doctor list. I live in a rural area where Gov. "Death Sentence" closed our small health clinic just before Covid-19 hit so I drive more than 30 min. to see a medical doctor in a neighboring town. Also, on Advantage plans, you see a doctor and then you are transferred to a Physicians Assistant (PA). I'm sure they are not all bad; however, I've been disenchanted with ALL the PAs I've seen and TRULY, my diabetic alert dog has more education than a PA (may differ by state). Give me a MD and an ARNP team any day! Thanks for this video and the info on Medicare versus Advantage plans: DO NOT opt into an Advantage plan regardless of price, gym membership or whatever BS is included. You get what you pay for and if you pay -0-, don't expect too much at all. Keep your original Medicare Parts A and B!
@lizbaldini283
Жыл бұрын
Thank you Paula Dempsey. I am sorry that you are have the heavy burden of being Diabetic and have to buy the ridiculously expensive diabetic supplies. I am trying to understand the complex Medicare plans, i.e. Medicare Advantage vs Medigap and your words spoke volumes. I was wondering why Medicare Advantage is heavily advertised vs Medigap advertising. An independent agent we talked to said 50% of people are on Medicare Advantage - not saying that's the right thing to do, but it does appear that when something sounds too good to be true, it usually is. Thank you so much for your time in sharing. liz
@garlandetheridge9902
3 жыл бұрын
A really good presentation. You cleared up a lot of confusion for me. Thank you.
@BoomerBenefits
3 жыл бұрын
We're happy to help!
@harrygreenlee
4 жыл бұрын
Hi, Very good video, my question is, im 64 will be 65 next march, I had Blood cancer 9 years ago and go for checkups twice year, I take atorvastatin, would I be better off with a blue cross and blue shield advantage or shop for a f or g supplement plan with a drug plan.?
@BoomerBenefits
4 жыл бұрын
We're happy to hear you like our video. We usually recommend Medicare Supplements to people with a history of serious conditions. This is because if you have any continuing health issue from that disease, and have the possibility of it returning, a Medicare Supplement would usually be more cost-effective. But, ultimately, we will help you with whichever plan you feel most comfortable with. You can call us at 817-249-8600 to compare plans and speak with a licensed Medicare expert who can compare 30+ carriers.
@rolassalle2395
3 жыл бұрын
Thank you, very good. The monthly supplement costs are getting high, but after your video, may still be best for me. Especially if i ever wanted to get back to the gap plan that cold be a problem
@musicbroker1797
5 жыл бұрын
Your audio is only on the left side
@cstevens8788
3 жыл бұрын
Funny, right side for me. Great information! Trying to decide if I want to stay with my Advantage HMO plan. I'm heathy but also 66 years old. 😁 I am going to call my agent for complete run down. 👍
@joycesewald1788
2 жыл бұрын
thank you for your indepth and informative video. I will definitely be contacting you soon.
@BoomerBenefits
2 жыл бұрын
Great! We look forward to speaking with you :)
@mikebiehn3650
4 жыл бұрын
very helpful, thank you. Just basically turned 64 (July) so I'm trying to plan ahead. I was look for the link to the guide..... looking for Medicare with a medigap.......thanks again
@BoomerBenefits
3 жыл бұрын
Hi Mike - We are so sorry to see that we missed your comment! We receive many comments throughout the day, so sometimes comments do get lost in the thread. Here is the link to our Medicare Advantage vs Medigap guide: boomerbenefits.com/medicare-advantage-vs-medigap-guide/
@chm825
2 жыл бұрын
I am 78 with minor everyday problems. I do have to anticipate future surgery. I have a comfortable living expenses situation, but I am on a budget. I would prefer Medigap insurance to have more options. My premium is paid by Access. I am what is called a slimby. Would Access pay my medigap insurance monthly? Thank you in advance.
@BoomerBenefits
2 жыл бұрын
Hi there - Since we do not work with Access, we recommend asking Access directly if they would pay your monthly Medigap premiums!
@bjiwhite
2 жыл бұрын
My husband just signed up for Medicare A &B last month. We had low income so last year, so we qualified for medicaid through Washington state. We are still low income*, so will medicaid cover what Medicare does not, or should we get a medigap policy now? My husband was just diagnosed with cancer this month, so we are looking at high expenses. (* if i understand correctly "income" in WA state does not include assets, just taxable income)
@BoomerBenefits
2 жыл бұрын
Hi there - We are sorry to hear about your husband's recent diagnosis. It will depend on your level of Medicaid to know if Medicaid will cover his out of pocket expenses. We first recommend contacting Medicaid to know if he will have full Medicaid and is considered a qualified Medicare beneficiary. After you speak with Medicaid, give our team a call at 817-249-8600 to discuss his options and see which route and plan option is the most cost-effective for him!
@727Alexandria
Жыл бұрын
I see, Medicare Advantage are actually private insurance. Are there any Medigap plans that cover Dental, Vision, Hearing, In-home Support and Gym Memberships, etc. for Veterans, or for everyone.
@BoomerBenefits
Жыл бұрын
Hi Alex, Advantage plans and Medigap plans are not required to offer these additional perks. But we can see if there is a Medigap plan in your area that offers these types of benefits. When ready, give us a call at 817-249-8600, and we can look into this for you.
@valmarra162
11 күн бұрын
Super informative. Thank you! I would be so interested in the medicare advantage, but your last comment stating once you exit from medigap, you may not be able to get back on if needed.
@BoomerBenefits
11 күн бұрын
Hi there - you do have a trial right to return back to your Medigap plan within 1 year. Give us a call and we can review this with you!
@mitchellmiller7717
4 жыл бұрын
You say if your signing up for the first time you have a 6 mouth window where they can ask you no medical questions. Really, then how come they can ask you it you smoke?
@BoomerBenefits
4 жыл бұрын
Because technically, that's not asking about a health condition, which is what underwriting is. Also, if you say yes to the smoking question during your open enrollment window, you still can't be denied.
@joshuazerbini6323
4 жыл бұрын
Not only can you not be denied, you also will not pay a higher rate for smoking. If you do, the agent did you a disservice.
@RetrieverTrainingAlone
2 жыл бұрын
My perception is one disadvantage of Medicare Advantage is you need to be in the network except for emergencies. So for example, we summer in Alaska and winter in Virginia and a medigap plan would cover us year round, while the Medicare Advantage would be limited to one state?
@BoomerBenefits
2 жыл бұрын
PPO Medicare Advantage plans allow you to go outside of the network for non-emergencies, but you will pay more for out-of-network services than in-network services. Learn more here: boomerbenefits.com/medicare-advantage/medicare-advantage-types/
@wandaeaves8974
3 жыл бұрын
If I think Medigap is best for me, does this mean I am direclty with Medicare and NOT private company. I turn 65 in july ...thank You
@BoomerBenefits
3 жыл бұрын
Great question, Wanda. You would purchase a Medigap plan from a private insurance carrier, or a broker like us. Medicare is primary and Medigap is secondary. You can always give us a call at 817-249-8600 if you have any questions, Learn more: boomerbenefits.com/medicare-supplemental-insurance/what-is-a-medicare-supplement/
@ginastrickland8153
11 ай бұрын
If you choose a medicare advantage plan first at age 65 do you have a 1 year window to switch to a medigap plan without underwriting?
@BoomerBenefits
11 ай бұрын
Hi there, you do! Here is more information - boomerbenefits.com/medigap-trial-rights-1-and-2/
@ak49mitchell
3 жыл бұрын
Great explanation (you'd have even more listeners if sound quality was better, dialogue only from left side, both Chrome & Safari)
@BoomerBenefits
3 жыл бұрын
Yes, unfortunately, that was an old issue we couldn't avoid but has since been resolved. Thank you for your comments.
@matthewgrills4135
3 жыл бұрын
One question always lurking in my mind. What types of and how intrusive are the “questions” for a switch to a medigap plan either going in on initial signup and/or on trying to convert from an Advantage Plan?
@BoomerBenefits
3 жыл бұрын
Hi Matthew - Here is one of our articles that discuss the Medigap underwriting questions: boomerbenefits.com/medigap-underwriting/ You can always give us a call at 817-249-8600 if you are considering switching plans! We can discuss the underwriting questions and see if there is a carrier we represent that would accept your application.
@Now_lets_get_this_straight
4 жыл бұрын
So now it’s 2020 and there is a high deductible G Available for those new to Medicare. I guess for personal reasons where you have delayed signing up for Part B in an approved situation, it depends on what you call new as I’ve heard a agent say it’s when you actually when you sign up for Part B and others say it’s when it’s first available to you, just go by when you signed up for Part A, which seems age related. Regardless, that is not the question I ask. Since those that don’t qualify for HD Plan G therefore qualify for HD Plan F or visa versa. The question is, if given the option of having to take HD Plan F, given that high deductible is what you want, regardless of value for the sake of argument, can you enroll in HD Plan F and then after let’s say a year or two switch to HD Plan G, given that underwriting comes into play? To say otherwise would mean that the later would be a lifetime ban from enrolling in HD Plan G wouldn’t it.
@BoomerBenefits
4 жыл бұрын
It's all about when you were first eligible for Medicare, not when you finally signed up. So if you were eligible for Medicare before 2020, then you have Plan F, high deductible Plan F, and High deductible Plan G available to you. Yes, if you started with HDF for some reason, and you want to change to HDG from HDF, then you certainly can apply, you will just likely have to go through underwriting. HDF and HDG are the same exact coverage.
@Now_lets_get_this_straight
4 жыл бұрын
Boomer Benefits, so since I signed up for Part A in 2018 at 65 and now I retired now in February 2020 with March 1 effective date for Part B, your saying that I can sign up for either HD F or HD G because I was told HD G was for only those new to Medicare (age related) in 2020. I know Plan G was Available, but not HD G.
@Now_lets_get_this_straight
4 жыл бұрын
Boomer Benefits, edited last reply to you.
@BoomerBenefits
4 жыл бұрын
@@Now_lets_get_this_straight Yes. The carriers haven't told us that they are restricting HDG to just new enrollees. You should be able to get HDG - but again, HDG and HDF are identical plans - just a different name.
@davidblinn8251
3 жыл бұрын
Wow - thanks so much. This is a really helpful video. We have been looking on line at lots of sites to grasp the ideas of the differences between Medicare Advantage and Medigap plans, and you summed this up very clearly. Do you have a video on options for those joining Medicare under 65 due to disability?
@BoomerBenefits
3 жыл бұрын
Hi David - We are happy you have found our videos helpful! You can find our video, Medicare for People Under 65 | What You Should Know, here: kzitem.info/news/bejne/lY6IratmsnOLmpg
@annemoretti3173
3 жыл бұрын
I'm going to get medicare im 67. I need hip replacement. Badddddd. I only use asthmameds no other health problems. Im low income what would be the best for me
@BoomerBenefits
3 жыл бұрын
Hi Anne - If you give us a call at 817-249-8600, our agents can discuss with you which plan would be the right fit for you.
@suselew
5 жыл бұрын
So we are stuck with the same type of Medigap plan (F,G, etc) without health questions only once when we initially enroll in a supplement? And, if we pick Type G from Company X and then stay with G but go to Company Y, do we have to go thru underwriting? Thanks in advance for your answers.
@BoomerBenefits
5 жыл бұрын
Yes. Anytime you change Medigap plans whether it's with the same company or a new company, you likely will have to answer health questions. Some states have extra open enrollment periods for their residents though.
@danmartin633
5 жыл бұрын
My wife has been on Medicare because of disability (she'64) and has also been covered by my employers plan. I'll be retiring in Jan. so she will lose my employers coverage. Can she enroll in a medigap plan at that time without answering medical questions as though she is turning 65?
@BoomerBenefits
5 жыл бұрын
Correct.
@danmartin633
5 жыл бұрын
@@BoomerBenefits thanks
@slowpoke1315
4 жыл бұрын
Great channel. I appreciate all that you do for us boomers. I turned 64 in May this year and have green collecting Social Security since I was 62. I'm a Navy veteran and have been using the VA for many years, even while I had commercial insurance. I get 2 blood work ups and 2 physicals annually and all my meds come from them. I see their specialists (cardiologist, vision care, podiatrist) as I need. My question is how does this affect my Medicare and do I need an Advantage or Medigap plan. I understand that I will be automatically enrolled in Medicare when I turn 65 since I already collect S.S.
@BoomerBenefits
4 жыл бұрын
VA coverage isn't creditable for Part A and Part B. Therefore, not having Medicare would mean you gaining a late penalty that you would pay if you ever decided to enroll in the future. Having both VA and Medicare coverage means you also have access to civilian doctors when/if you ever need them. VA drug coverage is creditable for Part D, so you wouldn't need Medicare Part D coverage. The only reason you would need a Medicare Advantage or Medigap plan is if you decided to keep Part A and Part B and use civilian doctors - other than that, they would not be necessary. boomerbenefits.com/veterans-medicare-va-benefits/
@billman6364
4 жыл бұрын
@@BoomerBenefits thank you that is the answer i have been looking for
@BoomerBenefits
4 жыл бұрын
@@billman6364 We're happy to help!
@MrPillbutt1
4 жыл бұрын
I totally relate. I am an AF veteran having trouble deciding which plan.
@dabbler1166
3 жыл бұрын
OK. So Medicare covers only about 80% of health-costs so some folks also get a medigap plan. My questions: 1. Does Medigap (typically) pay ALL of the remaining 20% and--- 2. Would a Medicare ADVANTAGE plan (usually) cover as much as medicare and medigap together? Or to put it another way: can people usually count on a Medicare Advantage plan to pay all of the remaining 20% ?Will it pay AS MUCH of whatever medicare A & B and medigap covers, or less? Any recommendations? options? and one more thing--- 3. So, you go online looking for a Medicare Advantage plan and the for a medicare Advantage plan and the first thing the website asks you is: your Zip code. You type it in and it shows you: "the following plans are available. Pick one." Why does it "care" where you live? But--you pick one. Then, you're "in" it. Say you use it for a year and then you move 200 miles but that town does NOT offer the same medicare advantage plan, there. Now what? Thank you!
@BoomerBenefits
3 жыл бұрын
Hi there - 1. Most all Medigap plans on the market cover the 20% coinsurance Medicare does not cover. It all comes down to which plan you choose. For example, if you were to have Medigap Plan G, the only out-of-pocket costs you would have for Medicare-approved services is the Part B deductible. With a Plan N, you will also pay the Part B deductible, excess charges, and will also have a copay at the doctor’s office and emergency room. Here is our Medigap plan comparison chart: boomerbenefits.com/medicare-supplemental-insurance/medigap-comparison-chart/ 2. When you purchase a Medicare Advantage plan, you will receive your Part A and Part B benefits through that carrier, not the government. There are thousands of Medicare Advantage plans on the market. Each carrier sets each plan’s cost-sharing amounts. So, not all plans have the same costs for services. Also, with Medicare Advantage plans, the cost-sharing is not necessarily 20% like it is with Medicare and Medigap. With that said, Medicare Advantage plans typically have more out-of-pocket costs than if you were to have a Medigap plan. Here is more information: boomerbenefits.com/medicare-advantage-vs-medicare-supplement/ 3. Medicare Advantage plans have service areas and each plan ranges from zip code to zip code. The carrier will create your network of doctors and pharmacies you can receive your healthcare services from. If you choose an HMO Medicare Advantage plan, you can only visit doctors that are in the network (unless you have an emergency). If you enroll in a PPO Medicare Advantage plan, you can go out-of-network, but you will pay more for your healthcare services. Whereas Medigap plans and Medicare do not have network restrictions. You can visit any doctor in the U.S. that accepts Medicare and use your Medigap plan. If you were to move with a Medicare Advantage plan, you would need to notify your current carrier about your move, and you will be able to enroll in a new plan in your city. If you move with a Medicare Advantage plan, you open up a Guaranteed Issue window for a Medigap plan, meaning you could apply for a Medigap plan without having to answer health questions. Here is more information: boomerbenefits.com/medicare-advantage/medicare-advantage-types/ boomerbenefits.com/what-to-do-when-moving-to-another-state-with-medicare/ Please feel free giving our team a call if you need any help deciding which plan is the right one for you. Our phone number is 817-249-8600.
@dabbler1166
3 жыл бұрын
@@BoomerBenefits Fantastic help. Very Informative! I appreciate the extra links. Thank you so much! :)
@BoomerBenefits
3 жыл бұрын
@@dabbler1166 Happy to help!
@benjara1
3 жыл бұрын
Does Medicare Advantage cover for cancer treatment and heart disease and how much?
@BoomerBenefits
3 жыл бұрын
It will depend on your Medicare Advantage plan. Are you a client of ours here at Boomer Benefits?
@Brenda-gv3cc
2 жыл бұрын
What are the dates for the 6 month window for medigap, im on original Medicare?
@BoomerBenefits
2 жыл бұрын
Hi Brenda - Your 6-month Medigap Open Enrollment is based around your Part B effective date. Check out our KZitem video, Your One Time Medigap Open Enrollment Period
@Ray3645
3 жыл бұрын
I don't get it. You mentioned that unlike Supplement plans, Advantage plans are through a private insurance company. But, Supplement Plans, F, G, N, etc, are also through private insurance companies, aren't they? What am I missing here?
@Jetlag320
5 жыл бұрын
Good presentation - nicely done.
@d21mike
5 жыл бұрын
You did not talk about a lot of doctors do not except Medicare Patients. That is my concern. My friend has medicap plan and had a problem with finding a doctor that takes Medicare. My employer PPO seems to never have a problem finding a doctor. They say you have a ppo so no problem. Please help with my concern. I want to see a doctor and when the doctor ask what insurance I have it will be the same as no problem we take your insurance. Cost is not my main concern. I want the best medical I can get. I will be retiring end of 2019. Thanks.
@BoomerBenefits
5 жыл бұрын
More doctors accept Medicare than those who don't. The CMS estimates that just over 1.3 million providers now bill Medicare. While 24K providers have opted out of Medicare, the majority still accept Medicare.
@d21mike
5 жыл бұрын
@@BoomerBenefits Thanks for the reply. Do you guys offer both Medigap and Advantage Plans? I understand this is the internet and you get a lot of good and bad information. So, I am just trying to get a clear understanding of the choices. If you only ofter 1 then maybe a bias towards that option? Assuming the estimates are correct and I do not have a reason to refute them. All my doctors are with UCLA at this time (switched some years ago) and I will ask their billing what they except (hope to get a good answer). But what I have heard (from the internet) is that congress controls what doctors get for services from Medicare. And in years past they want to reduce that number. Maybe this is the same as with Advantage. My concern is I need a procedure and Medicare (the government) says they will NOT cover that procedure for whatever reason and had a gone with Advantage (lets say Athem PPO - which I have now) it would have been covered. Most of what I hear on the Internet is not about "coverage" but about insurance to cover the bill. Maybe I am comparing Medicare to Medicaid? I heard somewhere that doctors get reimbursed more from Advantage Plans then they do from Medicare and even less from Medicaid so in that case they might prefer a PPO Advantage plan. I really hope I am explaining my concern properly. And if you have a Video that covers "coverage" and not just rates that would be helpful to me. Thanks.
@BoomerBenefits
5 жыл бұрын
Your concerns are understandable. Yes, we offer both Medigap and Medicare Advantage plans and represent 25+ carriers. We discuss with our potential clients which type of plan might be best for them by simply conversing with them about their wants and needs. After we have figured out which type of plan might be best, Medigap or Medicare Advantage, we start looking up and comparing plans to find the most cost-effective one. Therefore, we aren't biased towards any plan - Medigap may be better for one person, whereas Medicare Advantage may be better for another. Medicare covers medical services and items that are medically necessary. Most of the time, if a medically necessary item or service is denied by Medicare, it's because coding was wrong on the bill, or some other discrepancy. Our client service team is a completely free service our clients get. Our service team helps to correct issues such as these and many more than come with Medicare. Because Medicare Advantage plans are required to provide at least as good of coverage as Medicare does, you can expect Medicare Advantage plans will also cover medically necessary services and items. However, MA plans can offer additional services that Medicare doesn't cover such as dental, vision, and hearing. Although, there are standalone DVH plans you can add to your Medigap coverage as well. Many doctors are very selective when choosing which Medicare Advantage plans they will accept. This is because there are many more rules and requirements for the doctor when they choose to accept a certain MA plan. As far as reimbursement rates, according to NCBI, "In this analysis of 144 million claims for common services from 2007 to 2012, physician reimbursement in Medicare Advantage was more strongly tied to traditional Medicare rates than to negotiated commercial prices, although Medicare Advantage plans tended to pay physicians less than traditional Medicare." www.ncbi.nlm.nih.gov/pmc/articles/PMC5710575/ You also may like our Will Medicare cover my Procedure video: kzitem.info/news/bejne/soxrsJWhrqScnH4
@matty1953565962
3 жыл бұрын
As a professional musician with arthritis, I am concerned about losing access to Enbrel when I go on Medicare. Enbrel has a copay card that helps with the monthly expense, but it's only available to people with commercial insurance. I've called them twice, but they won't be specific about which plans would be acceptable. I'd be interested in knowing the answer, as well as any other thoughts you may have about getting a super-expensive drug ($6,000/month) on Medicare. The best supplemental drug plan in my state only covers 75%. Thanks so much!
@cherynenglish6561
3 жыл бұрын
In Humboldt County (CA) you can only use Medigap, there are no Advantage plans. I don't know why, that's just the way it is. They used to have it here but cancelled the Advantage plans the year we moved here.
@dougm1985
3 жыл бұрын
how did i get here, i'm only 54
@joseajimenez8768
3 жыл бұрын
Very helpful video information. Thank you again.
@BoomerBenefits
3 жыл бұрын
We are always happy to help! :)
@randymacpherson4689
3 жыл бұрын
This is a wonderful overview. HOWEVER, New York State residents need not worry about later enrollment in a supplement plan so log as they have been insured during the previous 6 months .
@markjasany897
3 жыл бұрын
Once under advantage plan is moving to another advantage plan subject to health questions
@melissaporter1650
2 жыл бұрын
My question is does the Part B when having a cost get deducted from the supplemental plan cost?
@inshape4health250
3 жыл бұрын
Great info, what happens when you have lifetime medical from you union, how does that work with medigap? Yes there are still unions out there that offer lifetime medical thank god.
@sallygardner7926
4 жыл бұрын
Does the premium for medigap change from agency to agency depending on their services?
@BoomerBenefits
4 жыл бұрын
No. Agencies can't charge you a different premium than what the carrier sets for you.
@Brenda-gv3cc
2 жыл бұрын
What are the dates for the 6 month window you can get a medigap plan, im on original Medicare?
@peakhypno
3 жыл бұрын
Hi, Super info and thank you. I am 65, From Mass and have not yet signed up. Is medicare or medigap ON TOP for your health insurance meaning I would carry medi AND health insurance? I presently have Mass Health. Thank for the time to reply!
@BoomerBenefits
3 жыл бұрын
Hi there - You would still need to enroll in Medicare if you have Medicaid as Medicare will be primary. If you have full Medicaid, you would not necessarily need a Medigap plan. People with lowest incomes can qualify as QMB, which means Qualified Medicare Beneficiary. The QMB program provides the highest level of coverage at almost no out-of-pocket cost. Therefore, a Medigap plan would not be needed. If you wanted to enroll in a Medicare Advantage plan, you should specifically seek out Medicare Special Needs Plans for people with dual eligibility. Learn more here: boomerbenefits.com/difference-medicare-medicaid/ boomerbenefits.com/medicare-medicaid-and-extra-help-for-part-d/
@MuhammadSaleem-gx8hk
Жыл бұрын
Hi ,hope your doing good, please make a video on United health care original and its plan,how we differentiate original uhc and its ppo,hmo plan.thanks
@BoomerBenefits
Жыл бұрын
Hi Muhammad, Medicare Advantage plans vary from carrier and zip code. If you would like to discuss United HealthCare in your area and the difference between the plans, please give our team a call at 817-249-8600. There is no charge for our help!
@MuhammadSaleem-gx8hk
Жыл бұрын
@@BoomerBenefits please explain more, still unable to understand
@BoomerBenefits
Жыл бұрын
@@MuhammadSaleem-gx8hk Check out our video, What is a Medicare Advantage plan, where we explain how Advantage plans work. kzitem.info/news/bejne/2Wlvzm2sgoCcY2k
@mktwatcher
2 жыл бұрын
Excellent comparison video, Thank You.
@vickiechilders759
3 жыл бұрын
What do you think about AARP United Healthcare plan N?
@wendylee3928
3 жыл бұрын
Thank you!
@JayTomasetti
4 жыл бұрын
Plan limits - "There may be limits on how much the plan will provide." When deciding to enroll why is this quotation next to many of the subject lines i.e Dental etc, X-ray diagnostic etc? This does not make it easy to choose between plans. Who wants to see that?? Has made all of my searching impossible to decide!
@gpcode3827
3 жыл бұрын
Thanks for preparing this- very helpful!
@manolitaperez4911
3 жыл бұрын
I have plan F with globe life, is it good not with high deductible.
@teresatradewell8548
Жыл бұрын
G or N on medigap? How can I tell diff
@BoomerBenefits
Жыл бұрын
Hi Teresa - you can watch both of these to learn more about Plan N and Plan G. Let us know if you have any other questions! kzitem.info/news/bejne/lZqezKdunHeWlXY kzitem.info/news/bejne/uaqnzINoa1-Fpqg
@nealcook4830
4 жыл бұрын
I’m 72 and still working full time. My wife and I signed up at 66 for Medicare A and B but still covered by BCBS through my employer. I may retire soon and want to go with a Medigap plan with Part D. Any suggestions or advice??
@BoomerBenefits
4 жыл бұрын
Once you lose employer coverage, you will have 63 days to enroll in a Medigap plan without underwriting. You will have 60 days to enroll in a Part D plan without penalty. We can help you with this transition if you'd like. You can contact our team to get connected with an agent that can help. You can either call or fill out a form boomerbenefits.com/find-the-right-medicare-plan-for-me/. Just note that as we approach AEP, call volume tends to be high so a form is often the best way to get in touch in this time.
@rachelc.5463
3 жыл бұрын
@Neal Cook My husband and I signed up for Medicare Part A and B and later dropped Part B because my husband plans on working till age 70 and he has insurance for both of us through his employer. We have been told when my husband retires and loses his employers health insurance then we have eight months to sign up for Part B with out being penalized.
@nealcook4830
3 жыл бұрын
@@rachelc.5463 Thank you for the reply. I was worried that if I drop my part B for both my wife and myself that I would be penalized. I waited a few years after I signed up for part B and I had to prove I had insurance all of the time I had not signed up. I hope I wouldn’t have to go through that again.
@nealcook4830
3 жыл бұрын
@@BoomerBenefits thank you for answering my question. I thought since I have waited till 71 to obtain a Medigap plan, I was under the impression I would have to go through underwriting. I have no problem with that but my wife hasn’t worked in decades and is covered through my employer BCBS also. I will continue to work as long as I feel well enough but not sure if best to keep employer insurance or not sign up again in Feb. and get a Medigap plan. If I were to pass away suddenly, I would want my wife to be set up with insurance so she wouldn’t have to worry about it. I’m just confused about this fork in the road.
@nealcook4830
3 жыл бұрын
@@rachelc.5463 I think I will drop Part B for my wife and myself because I have to go through underwriting for a Medigap Plan and pay a higher premium plus can be refused just because I already have Part B. I under stand if I drop B now and resign up for it after I drop my employer insurance it’s as if I never had Part B and will come under Federal protection. Hope this is a correct assumption.
@cherynenglish6561
3 жыл бұрын
Social Security might help with prescription if your income is limited.
@tonyreddy7535
3 жыл бұрын
Please explain backend costs. If I get cancer, what is difference between medigap vs. Advantage plan has $124/mo premium and $5,000 cap in expenses in-network and 10,000 out of network?
@BoomerBenefits
3 жыл бұрын
Tony, Medigap plans give you predictable healthcare costs for the year. For example, if you are enrolled in Medigap Plan G, you are only responsible for the Part B deductible, which is $203 in 2021. After you pay the Part B deductible, you will not have any other out-of-pocket costs for Medicare-approved services for the year. Now, every Medicare Advantage plan is different, so we cannot tell you exactly what your premium or cost-sharing amount would be since this varies by zip code and carrier. If you give our team a call at 817-249-8600 we can compare Medigap vs Medicare Advantage plans for you in your area and help you decide which is the most cost-effective option for you at this time.
@georgechubb8669
3 жыл бұрын
So how much is the cost of a medical plan
@BoomerBenefits
3 жыл бұрын
The cost for a Medigap plan depends upon multiple factors, such as your age, gender, zip code, tobacco use, and more. The cost for a Medicare Advantage plan will also depend upon your zip code. If you would like a free quote for these plans, please give us a call at 817-249-8600.
@gr8ride411
4 жыл бұрын
My current Advantage plan provider has sent me the cancellation letter and they advised me that Medicare is allowing me 30 days to change my mind and return to the Advantage plan I've had. I've forwarded the letter to the supplemental health provider so now I'm watching the calendar until, and if it issues. Thank you for responding to my question I greatly appreciate your time. 👍🏾
@purpleivory2
3 жыл бұрын
Couldn't hear a damn thing.
@BoomerBenefits
3 жыл бұрын
Hi Will - When watching the video, you can click "CC" for subtitles and closed captions.
@saintpeter1917
4 жыл бұрын
I currently work in IL but plan on moving to NC in the next year. My husband and I are both signed up for A but are covered under my employer plan so haven't signed up for B or any Medigap or MA plan. I will have to sign up for B before leaving IL so do I have any options for when we move to NC and are the plans different between the 2 states? Thanks - your vidoes have been very helpful!
@BoomerBenefits
4 жыл бұрын
There are no options when it comes to Part B. What you get through the government is what you get. Part B is Part B. You will have 6 months from your Part B effective date to enroll in a Medigap plan without underwriting. If you get a Medigap plan in IL and then move to NC and you're still within this 6 month window, you can change plans without underwriting if you find a better rate. You could also just keep your IL plan if that rate is better than any rates you find in NC (we can compare both states). Or you could just wait until your move to enroll (if you'll be in your 6 month window still by that time). Medicare Advantage plans are a different story - If you get an MA plan in IL, you will have to change plans when you move.
@bryanwhitton1784
3 жыл бұрын
I am 66 and have not yet applied for Medicare. I am still employed and have a qualified work provided by Blue Cross of California. I am going to be changing jobs soon and the new company doesn't have enough employees to be qualified. WHich is a bummer because they provide employee health insurance free of charge. My question is, my wife is employed and has an HSA and that requires a high deductible plan. Could I move to her coverage and still be in a qualified plan with this kind of coverage? Or should I know consider moving to Medicare.
@BoomerBenefits
3 жыл бұрын
Hi Bryan - If you are covered by your wife's employer insurance and she works for a large employer with 20+ employees, then you can delay enrolling in Medicare without a penalty. However, Part A is $0/month for most people, so you can go ahead and enroll in Part A to have extra hospital stay coverage (unless you plan to contribute to an H.S.A. account). You will want to make sure that her employer coverage is considered creditable coverage for Part D, as well. Learn more: boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/
@marilynp.abellanosa5367
3 жыл бұрын
Hi 👋 Boomers, I’m a woman 3 months before turning 65 and I’m confused what Medicare I have to choose…it’s only my retirement will be my income through out my life…I’m here to seek an advice if what plan do I have to get. I would like a plan that covers my dental, eye exams and other things. Thank you 🙏 for your time to read my message.
@BoomerBenefits
3 жыл бұрын
Hi Marilyn - If you would like, you can call us at 817-249-8600. You will be connected with an agent in your state and you two can discuss your available options and which plan would be the most cost-effective for you!
@lorenzocion7393
3 жыл бұрын
Im getting at 65 in 3 month jus apply for medicare and Im going to keep working paying now $202.00 every quarter on my job for hmo ,have diabetes and Hight blood pressure other than that visit my regular doctor every 3 month and also the diabetes doctor besides that Im in good health , located in boca raton florida , what is your recommendation for me , very confused , my wife has a humana hmo because our doctor takes it
@BoomerBenefits
3 жыл бұрын
You may be better off getting a Medicare plan, such as a Medigap or Medicare Advantage plan rather than staying on your employer's plan. We suggest you contact our team at 817-249-8600 so an agent can figure out your exact situation and make recommendations based on that.
@jennymetrick9927
3 жыл бұрын
Is this only for 65 yr olds. I just turned 69. I currently have Medicare Advantage with Humana. I didn't know about medigap. Thx
@BoomerBenefits
3 жыл бұрын
Anyone on Part A and Part B and apply for a Medigap plan at any time throughout any year. However, once outside of your 6 month Medigap Open Enrollment period that started when you first got Part B, you'll likely have to answer health questions during your Medigap application and could be denied due to pre-existing conditions. Therefore, you can still apply for a Medigap plan, but you may have to go through underwriting. Give us a call and we can go over your options.
@lee1davis1
3 жыл бұрын
Thanks. I'm completely new to choosing ANY Health Insurance.
@BoomerBenefits
3 жыл бұрын
We can always help! Give our team a call at 817-249-8600 :)
@HistoryRepeats101
3 жыл бұрын
Me gym membership is most important!!! I think in need a 2nd masters degree to understand this or maybe a chart 😁
@cstevens8788
3 жыл бұрын
I am widowed, one year now & had to get a plan quickly. I chose an Advantage Plan but I really did not know what I was doing. It seems fine as I have no major health problems but it is an HMO. No problems yet but I am 66 & living on survivor benefits. I guess I need to contact the person who convinced me to choose. I have been diagnosed with major depressive disorder. No duh. My favorite physician does not take Medicare & my few specialists are on my plan. My deductible went down but some things went up. It's been a rough year so I am having difficulty deciding. I guess I will figure it out. Really appreciate your input. 🤔👍
@BoomerBenefits
3 жыл бұрын
We suggest contacting us at 817-249-8600 or 855-732-9055 to discuss your options. We can compare other Medicare Advantage plans for you and even Medigap plans.
@sailor34228
3 жыл бұрын
My friend has been on Advantage since the age of 67. He’s now 82, and has high blood pressure, AFIB, and Prostate Cancer, which we just found out. You said it may be difficult to change to a Medigap, but you didn’t say impossible. Is it still possible and would it likely cost an arm and a leg?
@BoomerBenefits
3 жыл бұрын
It just depends. He will likely have to go through underwriting, and given his conditions, likely won't pass. However, we won't know until we try. We also won't know the quotes until we have a sales agent run quotes for him. He can call us at 817-249-8600 if he'd like our help.
@texfam
4 жыл бұрын
Just turning 65 in December. I have mid-stage COPD. Not a smoker. I was looking at a PPO through Humana, but with COPD, would I need to get the gap kind instead? We are on a very tight budget.
@BoomerBenefits
4 жыл бұрын
It just depends on which is more cost-effective and which premium you can afford. If you call us, a licensed agent in your state can help you compare plans based on your zip code and premiums. They can help you decide which is more cost-effective while actually looking at the plans offered in your area.
@michaelbrock8961
3 жыл бұрын
A simple question: husband turns 65 in May 2021, does he have to apply for regular Medicare A and B along with D and THEN pick an Advantage plan, of that is what he ultimately wants?
@BoomerBenefits
3 жыл бұрын
If he wants a Medicare Advantage plan, he likely won't need a Part D plan as Medicare Advantage plans generally include a Part D plan. He will apply for a Medicare Advantage plan during the same enrollment period that he applies for Part A and Part B. You can figure out your Initial Enrollment Period here: boomerbenefits.com/medicare-enrollment-calculator/
@simon7838usa
3 жыл бұрын
I am using KIASER now. if change to medigap, seems hard to find good doctors . I live in north California bay area. any suggestion?
@BoomerBenefits
3 жыл бұрын
Here on our social media team, we do not have access to the plan quoting tool that our agents have access to. To find out quotes in your area for a specific plan, we will need to connect you with one of our agents. Please feel free giving us a call at 817-249-8600.
@marioghomi7465
3 жыл бұрын
Hi, With medigap can you see 2 or 3 different doctors for same medical issue - ie, for second and third opinion? And will they bill you for that or you can go and have as many doctor visits as you wish? Thanks.
@BoomerBenefits
3 жыл бұрын
A Medigap plan pays whenever Medicare pays. Medicare covers anything deemed as medically-necessary. So, if you visit 3 different doctors and they code your service as medically-necessary, then Medicare and your Medigap plan should cover your services after your have met your deductibles.
@gc1172
3 жыл бұрын
Which is best depends a lot on the state you live in and what you foresee your upcoming needs to be. I was going to go Advantage and found none covered by drugs as well by far and a D plan so I kept Supplement instead and saves a lot of money total based on all the premiums and expected cost of six months routine visits and tests at doctors and prescriptions.
@guyrouillier
3 жыл бұрын
@11:52 you mention a free guide to Medicare Advantage vs Medicare supplements for takeaway reading. Sorry, I don't see that link in the notes following the video. Am I just not seeing it? Thanks.
@BoomerBenefits
3 жыл бұрын
Our apologies. Here is the link to where you can find the guide: boomerbenefits.com/medicare-advantage-vs-medicare-supplement/
@kathiharcarik3054
3 жыл бұрын
I have SLMB and don't know what to get. And Does Medicare have any dental coverages? Or any medigap dental coverage?
@BoomerBenefits
3 жыл бұрын
Medicare + Medicaid can actually be substantial coverage, so you may not need anything else. However, you certainly could enroll in a Medicare Advantage plan if you'd like extra benefits, such as dental. Medigap plans come with higher premiums, so you may not be able to afford a Medigap plan if on Medicaid. kzitem.info/news/bejne/sqKcuoiLboSolno
@royfrye333
3 жыл бұрын
I currently have a medigap plan here in Massachusetts. I am very happy with it. If I move to Florida, will I have to answer medical questions to get a medigap plan there? Both my wife and I have exhisting medical issues.
@BoomerBenefits
3 жыл бұрын
You should be able to keep your Medigap plan as Medigap plans travel with you. If for any reason you wanted to enroll in a new plan in your new area, yes, you'd likely have to answer health questions when doing so.
@sidwalker4194
3 жыл бұрын
I would like a copy of the free booklet: Medicare Advantage vs Medicare Supplement. How do I get it?
@BoomerBenefits
3 жыл бұрын
Hi Sid - Here is the link to our Medicare Advantage vs Medigap guide: boomerbenefits.com/medicare-advantage-vs-medigap-guide/
@davidtipton5828
3 жыл бұрын
Hi. I am turning 65 this year. Lets say I sign up with a supplement plan G in the 6 month window. Can I change to a different supplement company without answering health questions the following year? If the answer is no, if I am turned down, do I have the option of sticking with the current company in which I am receiving the plan G? Thanks!
@BoomerBenefits
3 жыл бұрын
Hi David - If you apply for a Medigap plan outside your 6-month Medigap Open Enrollment, in most states, you will likely have to answer health questions. You would want to keep your current Medigap plan until you heard back from the new carrier you are applying for. If you were to be approved for your new Medigap plan with the new carrier, you will then dis-enroll from your current plan. If you are denied, you will still have your current plan as long as you continue to pay your premium. Learn more: boomerbenefits.com/medicare-supplement-open-enrollment/
@paulvandam642
3 жыл бұрын
We are looking at Manhattan Life for our medigap policy but see some bad reviews. Do you know anything about Manhattan Life or can you direct us to a place where we can get a good review on the company (and others) and customer satisfaction info?
@BoomerBenefits
3 жыл бұрын
Medigap plans coverages only vary by letter, not carrier. A Plan G is a Plan G regardless of who you get it through. Therefore, you should choose the carrier in your area that offers the most cost-effective premium, lowest average rate increases, and best financial rating - these are all things we look at when comparing 30+ carriers for our clients.
@lucillemargot5175
2 жыл бұрын
Your videos are very useful and provide lots of information. I have received lots of help with your video, please continue to share this kind of information. Thank you.
@BoomerBenefits
2 жыл бұрын
We're happy to hear you have found our videos to be helpful! Don't forget to hit subscribe, as we upload a new video every other week. You're very welcome, Lucille :)
@jcyran
3 жыл бұрын
Do you have to enroll in Medicare at age 65 ? My full retirement age is 67 and I will be working until then and have a PPO thru my employer presently.
@BoomerBenefits
3 жыл бұрын
Hi Jill - If you continue to have insurance past 65 from an employer that has 20 or more employees and you or your spouse actively works for that employer, then you can delay all of Medicare until you retire without having to pay the penalty. However, Part A is $0/month for most people, so you can go ahead and enroll in Part A to have extra hospital stay coverage (unless you plan to contribute to an H.S.A. account). Here are some resources that will help you: boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ kzitem.info/news/bejne/0ZlrmIWbnYF6gI4 kzitem.info/news/bejne/o6N504CLpKloe34
@sherrymelhorn5107
3 жыл бұрын
Do medical plans pick up things that are not medically necessary or expenses you mentioned in a previous video like anesthesiologist in a colonopsopy. I here that with Medicare and medigap people are paying 0 out of pocket. Is that true.
@BoomerBenefits
3 жыл бұрын
Medigap plans only cover costs for Medicare-approved services. SO if Medicare denies it, so will your Medigap plan. Medicare Advantage plans cover you as well as Original medicare but may include additional benefits.
@johngarnergarner6724
3 жыл бұрын
Hi, I turn 65 on Oct 24. When can I go ahead and buy my supplement. I know that my coverage won't start until Oct 1st but can I go ahead and buy the supplement now or do I have to wait?
@BoomerBenefits
3 жыл бұрын
Hi John, some carriers do allow you to apply for a Medigap plan 6 months before your effective date, but it will vary with each carrier. You can submit an application, but you are correct that it won't start until October 1st. If you'd like, you can give us a call at 817-249-8600 and we can get the application process started for you.
@paulhughes3961
4 жыл бұрын
I'm currently in a Blue Cross Blue Shield PPO employer provided plan. The Medicare Advantage plan seems to be very much like my current PPO. I like that type of plan so I would probably like the Advantage plan and since Blue Cross offers Medicare it should be an easy transition in a year and a half.
@BoomerBenefits
4 жыл бұрын
If you know for a fact a Medicare Advantage plan is the right type of plan you for, you should compare all plans in your area, not just BCBS. You'll want to make sure the built in Part D plan cover all or most of your drugs and is the most cost-effective option for you as well as review the costs for coverage between each plan. We represent 30+ carriers and help our clients also review which of their doctors accept which plans as well as review the Part D coverage for their medications they take.
@James-ws6du
3 жыл бұрын
HI i have VA group 5 insurance what would the best supplement plan be i am 64
@BoomerBenefits
3 жыл бұрын
Hi James - The best plan for you will be one that covers your healthcare needs and is cost-effective. Please feel free giving us a call to discuss your options. Our number is 817-249-8600
@kennethjackson5754
3 жыл бұрын
It seems to me that the best overall health vs potential cost over the long term would favor the Medigap plan, since we may have fewer health issues as of now, but that could change rapidly, or not so rapidly. It seems that in anticipation of future health issues, and the possibility of increased costs to transfer into a Medigap plan later. it might be worthwhile to start with it. When would u advise someone who chose an advantage plan because of relatively good health and lower costs, to transition to medigap where the coverage is better but premiums higher?
@BoomerBenefits
3 жыл бұрын
It depends on the person. Feel free to give us a call and we can help give you advice based on your specific situation.
@sharonmurray9688
3 жыл бұрын
Can you switch from medigap plans to advatage plans late with no health questions?
@BoomerBenefits
3 жыл бұрын
Medicare Advantage plans never have health questions. However, you must wait until the Annual Election Period to enroll in a Medicare Advantage plan.
@irenegohl1663
5 жыл бұрын
Wow! This makes my decision super easy - Medigap for sure.
@jordankapur6735
5 жыл бұрын
Both of my parents went with Plan G and pleased so far
@amcpacer2909
5 жыл бұрын
@@jordankapur6735 yes i picked plan g
@jimherman5731
3 жыл бұрын
Danielle, great video! I’ll admit I didn’t learn anything, though. But the reason I didn’t was, I spoke with Bill Warren at Boomer Benefits yesterday, and he walked through all of this with me. My wife and I were so confused, and thought this was so complex that we needed expert help. They say an expert is someone who can take a complex subject and explain it simply so that a non-expert can understand, and Bill did exactly that. BTW, we are signed up for our coverage, now! Thanks to you, Bill, and Boomer Benefits for making this all work for us.
@BoomerBenefits
3 жыл бұрын
Jim, thank you for this awesome feedback! We're thrilled to hear Bill was able to walk you and your wife through the options and explained the benefits in simple terms. Thank you for trusting our team to help with both of your Medicare transitions. :)
@judytyrell931
3 жыл бұрын
Do you have a booklet on providers of Medicare advantage. And a list of drug s I can check on.
@BoomerBenefits
3 жыл бұрын
Seeing as there are over 3500 Medicare Advantage plans and they all vary by zip code, no. Also, the built-in Part D plans vary by each plan. If you call us, we can compare the Medicare Advantage plans that are available in your area to find which would be more cost-effective for your doctors and drugs.
@billb7636
3 жыл бұрын
First, yes, it is an informative video and I am glad I found it! Second, a question: I have heard that if I have an Advantage plan that is limited to the local area, and I move out of state to an area not covered by that plan, I can again choose a supplemental/medigap plan without health questions - is this true? Third, a minor but annoying thing about the video is that there are brief periods when the audio is annoying loud all of a sudden - this is in between segments; but fortunately it is brief each time.
@BoomerBenefits
3 жыл бұрын
Hi Bill - When you move, you can enroll in a new Medicare Advantage plan in your new zip code or choose to return to Original Medicare and apply for a Medigap policy. Moving out of your Medicare Advantage plan’s service area opens up a Guaranteed Issue window for Medigap plans, meaning you could apply for a Medigap plan without having to answer health questions. Check out our KZitem video, Can I Move with My Medicare Plan? | Moving with Medicare
@sherrymelhorn5107
3 жыл бұрын
Is 123$ for a medigap plan reasonable or too inexpensive? Have gotten the contract yet.
@BoomerBenefits
3 жыл бұрын
It depends on your area. FOr us to know if that is a competitive rate, we'd have to run quotes for you.
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