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@NoMoreTears64
10 күн бұрын
I just signed up for Plan N. This year it will be 82.00 a month for me x 12 months. = 984.00 in premiums. IF I went to a doctor twice a month @20.00 for the year, it would be another 480.00 that year. So that would be 1474.00. That is STILL less than what you are showing for Part C (pay as you go). Medicare Advantage is fine as long as you dont get sick and dont use it, which is MY preferred way of dealing with the medical system. HOWEVER, just ONE bad illness, fall, car accident, etc and Part C would totally bankrupt me. Seems like a no brainer for me.
@UncleDavesKitchen
10 күн бұрын
I went with N also. I see 3 physicians through out the year. Only one charges a copay, the others don't and the copay is only $9. per visit so that's $18 annually. My N is $103 a month.
@unclefester6501
10 күн бұрын
No, they all have max out of pocket, $3000-$10000 +/-. You might be ahead on C. But it will vary and is bad if you are going to the doctor a lot. Supplement is generally better.
@myvenusheeler
9 күн бұрын
After being on Plan G for seven years and dealing with the high yearly increases, I went through underwriting and am now on Plan N. The G plan was about to go up $211 a month but my new N plan is $113. I want no part of Medicare Advantage so I am now very happy with my Plan N pricing.
@UncleDavesKitchen
9 күн бұрын
Historically Medicare has closed only plans without copays. The last was Plan F which now has a much smaller surviving group as no new healthier 'younger' enrollees can join so the premiums are up to the $400s a. month. I suspect Medicare is closing no copay plans as patients might over visit physicians for no out of pocket costs to them. Even the little possible copay with Plan N might deter over use of doctor visits. Let's see if they close Plan G in the future.
@myvenusheeler
9 күн бұрын
@@UncleDavesKitchen Congress wanted people to have skin in the game (money) so F with its zero out of pocket wan done in.
@TrulyJefferson
10 күн бұрын
I'm one of those 17,163 Plan G plan new clients. Thank you, Medicare School!
@MedicareSchool
10 күн бұрын
Happy we can help!
@traderjames333
9 күн бұрын
This is pure gold. These people are the best. I went with G this year, with this team, and plan to stick with it.
@MedicareSchool
9 күн бұрын
Glad that we could help, if you have any questions you can always give us a call!
@sandragrissom1821
10 күн бұрын
The premium for my Plan F increases every year and is currently almost $400.00/month. I rarely have additional out-of-pocket costs at any doctor’s office. Unfortunately, not eligible for any other plan due to underwriting. Just thankful I have good coverage.
@janiceduke1205
10 күн бұрын
On Long Island, N.Y.: Supplemental "G" Plan: $326 monthly. Part B: $185 monthly, Part D: $113.70 increased $35 a month & I am on NO medications at all, Delta Dental: $72.10 monthly. Total monthly medical cost as of 1/1/2025: $696.80. 😠
@UncleDavesKitchen
10 күн бұрын
Wow. I'm in Phoenix my N plan is $103, D is $73 and I am on medications. I also have Delta Dental with the vision insurance for $70.12
@unclefester6501
10 күн бұрын
I think NY allows changing plans without medical qualification, so everybody has to pay to support that.
@440tomcat
10 күн бұрын
@@UncleDavesKitchen I'm on an N plan, depends on the State you're living for cost and with no issues. For me $195 Plan N, $6.00 Tier 1 drugs, And last Hearing, dental, eyes, be careful with this one. $$$$ vary with time enrolled $29.00 this is all per month.
@janiceduke1205
10 күн бұрын
@@UncleDavesKitchen Topping off the list of highest-priced Medicare Supplement plans is New York. The average Medicare Supplement premium in the Empire State is more than $300 a month.
@UncleDavesKitchen
10 күн бұрын
@@440tomcat I continued Delta Dental from my job I retired from. They've been a good investment for me.
@vallang4832
9 күн бұрын
I am also one of those 17,163. Thank goodness we are able to afford it.
@rubygreta1
10 күн бұрын
G High Deductible in NY. Premium increased from $70 to $71. G is over $300. Everyone should have the GHD.
@mmane257
10 күн бұрын
you make it much easier to understand what’s going on with this insurance stuff.i have an appointment with one of your guys in october.turning 65 on election day.thanks marvin.
@MedicareSchool
9 күн бұрын
Looking forward to meeting with you! We're happy that we can be of some help!
@Medmann48
9 күн бұрын
I live in Ohio & our state does not allow excess charges & I only go the doctor once or twice a year so it's going to be Plan N for me.
@lindahidalgo1804
5 күн бұрын
I'Ve changed my mind about this guy,He's legit and very honest.Excellent presentations for Medicare info.
@MedicareSchool
5 күн бұрын
Glad it was helpful!
@rosiemom8499
10 күн бұрын
I'm in Washington State, paying $155/mo for the N plan this year. The G plan was $50 more per month, so I opted for the N. I've only had 2 doctor visits this year. so far it's a big saving for me. Wonder what it will be next year.....
@heynow4286
Күн бұрын
Plan GHD is only $48 a month in WA state.
@rosiemom8499
Күн бұрын
@@heynow4286 interesting! Last I looked, a couple years ago, high deductibles weren't an option. Might be worth considering now. Thanks for the heads-up.
@DiChitty
10 күн бұрын
I just looked at the Medigap for my state, there is only 4. What I'm seeing is "Premiums are low for younger buyers, but go up as you get older and can eventually become the most expensive." My question is does the premiums increase each year for these plans???
@MedicareSchool
9 күн бұрын
Typically, yes they increase each year.
@evelisseortiz8373
22 сағат бұрын
Please do not stay in from of the white board until the end so we can have chance to take a screenshot. Thank you
@davidfolts5893
9 күн бұрын
Marvelous Marvin Medicare Maven.
@MedicareSchool
9 күн бұрын
Thank you!
@Shadowfaax
10 күн бұрын
Fantastic summary of the many facets of Medicare. I’ve shared your content with friends and family and will be sharing this one with them too. Thanks for the succinct and informative content 😊
@UncleDavesKitchen
10 күн бұрын
No one teaches this better than Melvin.
@MedicareSchool
10 күн бұрын
We greatly appreciate you sharing! If you have any questions you can always give us a call!
@aprileliana
6 күн бұрын
Thank you so very much for this very clear explanation. That’s exactly what is so needed.❤️
@MedicareSchool
5 күн бұрын
We are always happy to help!
@Mark-hb5zf
10 күн бұрын
The G vs. N percent numbers surprised me. I was guessing it was the other way around.
@myvenusheeler
9 күн бұрын
This was a good video and one I will save for those people who come to me as they are getting ready to retire and ask what they should do.
@MedicareSchool
9 күн бұрын
Thank you for sharing!
@markepp6480
6 күн бұрын
Thanks for your honest
@MedicareSchool
5 күн бұрын
My pleasure
@robertbelar5341
10 күн бұрын
I will keep my Tricare.
@joycesewald1788
10 күн бұрын
Great and informative video 😊
@MedicareSchool
10 күн бұрын
Thank you! If you have any questions you can call our office at 1-800-864-8890.
@lrbjr123
10 күн бұрын
I'm surprised at the low number of plan N because of the education you put out, it seems to me that it makes more sense than G. A lot of people must just want set it and forget it.
@MikeD_
10 күн бұрын
Set it and forget it is fine, especially if the difference between a G and N is only $20 or so. If it's near $70, as it is in parts of NY, then the N makes more sense, especially since those who live in NY (and three or four other states) can move freely between plans without going through a medical underwriter.
@MedicareSchool
10 күн бұрын
That would be the case, most prefer to not have any responsibility after meeting the deductible.
@markgreen4091
Күн бұрын
With so much confusing and conflicting information out there how do I make the right decision. ??????
@lindawessel1414
5 күн бұрын
The best decision I made was calling Medicare School.
@MedicareSchool
5 күн бұрын
So glad that we cab help!
@maryalicecoleman4661
5 күн бұрын
I’ve had Med advantage for four years. I had an agent telling me it was the best one. Now I’m not sure. I may have to call and see what my options are. I don’t remember hearing about some of these options.
@MedicareSchool
5 күн бұрын
We'd be happy to review all plans with you you can reach us at 1-800-864-8890.
@glennthorstensen5119
9 күн бұрын
I assume these people were about 65. About what age do Medicare recipients move from a Supplement to Advantage plans because of price? If the government pays about $1000 (seen on a video) for a recipient on Advantage, what is the difference between advantage plans and the ACA? (Moop is one item) Having additional insurance to help pay for your MOOP on an advantage plan? How much would that cost vs staying on a Supplement? Thanks
@dwhite6213
Күн бұрын
I'm 76 in relatively good health. If for some reason I am told I need a long hospital stay, I'm saying give me a morphine scrip and send me home.
@masterlee4370
4 күн бұрын
Another video that I would get an "A" on If there was a test. I feel like we spend our whole working lives on an Advantage Plan. So after watching all these videos which never get old by the way I totally agree 100% the Medigap Plans are the way to go if a person can afford it. Every time I watch a video and it ends I tell myself "G" stands for Great. The only thing I would add about the Medigap "G" Plan is Peace of Mind. Awesome Video!
@MedicareSchool
4 күн бұрын
We are happy that our videos have been of great help, if you ever have an questions just let us know! You can call our office at 1-800-864-8890. Thank you so much!
@Madjed2024
10 күн бұрын
Always informative I have few questions and am hoping to get your answers being on cobra I have to enroll in Medicare soon (8 months) - will the cobra become my supplemental plan? And in MA the 6 months from part A/B does not apply so I can stay on Cobra right? - is the deductible of part B related of the income of year of registration or year before? - how should I handle the medications plans? Thanks much
@MedicareSchool
10 күн бұрын
That's absolutely correct. When enrolling in Medicare Parts A and B, it's crucial to also sign up for Part D to avoid late enrollment penalties. You have a 63-day window to enroll in Part D after your initial Medicare coverage starts. Your Cobra will be your "supplement" until you switch to a Medigap plan. Please note: The Part B deductible is a fixed amount set by Medicare and is not income-based. You're likely referring to your Part B premium, which is indeed adjusted based on your income from two years prior and is reassessed annually. Have more questions? We're here to help! Contact our office at 1-800-864-8890 for personalized guidance.
@Madjed2024
10 күн бұрын
@@MedicareSchool Thank you so much for providing prompt and clear answers. Greatly appreciated
@lisaveta8565
9 күн бұрын
Look for Cobra rules. You cannot have Cobra plan after you reach 65.
@TenMinuteTrips
9 күн бұрын
@@lisaveta8565 For the OP: Not only can you not have COBRA and Medicare at the same time, you absolutely don’t want to be on COBRA any longer than absolutely necessary. COBRA is expensive! Once you turn 65, you have to sign up for Medicare Part A, even if you’re still employed and enrolled in a group plan. Once you retire, or are otherwise are no longer employed, you can sign up for Part B and get Medicare coverage outside of the regular open enrollment period. If you are under 65 and not currently eligible Medicare, finding an ACA plan is a better option than staying on COBRA for eight months.
@westonhall6653
8 күн бұрын
A question: You said that Plan G is portable. If you move, would the premium amount change? And if so, when? Immediately, at the end of the year, or something else?
@MedicareSchool
8 күн бұрын
When you update your change of address they will notify you of a new premium amount, not sure when that will take place, usually give you a 30-60 notice.
@stevewheeler8434
8 күн бұрын
You missed the most important reason for me to have a MA plan. I am extremely healthy and almost 70 years old. I ate real, Whole Foods, grass, fed meats, pastured eggs, and get plenty of exercise in my diet. Also, I go to a naturopathic doctor Who is not part of our health insurance system. So, I feel like I’m throwing away $174.80 each month on my part B Medicare, but I have no choice but to pay it.
@charlessommers7218
10 күн бұрын
Thanks
@MedicareSchool
10 күн бұрын
Happy to help!
@jeffwise6398
9 күн бұрын
I'm concerned about unstable rates. Is there any data supporting Plan N subscribers are on the whole healthier or have less medical needs than people who are on Plan G?
@lancerx1001
10 күн бұрын
Plan G
@mamanita1298
10 күн бұрын
I have heard that in Ohio, drs aren't allowed to charge the 15%. Do you know if this is true?
@MedicareSchool
10 күн бұрын
They can not charge the excess fees in Ohio. That is prohibited.
@mamanita1298
10 күн бұрын
@@MedicareSchool thank you for the reply!!
@harrymyhero
9 күн бұрын
Yes that’s right.
@joycewatson7435
21 сағат бұрын
What about California doctors?
@lsegall
6 күн бұрын
Doesn't the premium for medicare supplement plans increase with age?
@MedicareSchool
5 күн бұрын
Yes, they can another factor could also be the cost of living.
@MikeD_
10 күн бұрын
I don't know, Marvin. With 24,000+ clients added this year I'm thinking you can afford that Jaguar. : -) Just kidding, of course. I'm an new Plan N signee through you guys. I live in NY, so the gap in premium cost between a G and N makes it more than worth it; otherwise, I'd be plan G all the way.
@MedicareSchool
10 күн бұрын
Yes, for New York that would make much more since. Saving you tons in premiums. We're glad that we were able to assist! :)
@midasgoldmail
10 күн бұрын
@medicareschool You have no clients choosing High Deductible G?
@MedicareSchool
9 күн бұрын
We do not offer High Deductible Plan G with our company specifically.
@midasgoldmail
9 күн бұрын
@@MedicareSchool Wow why not? Even in states you operate in that offer HDG, like New York?
@TenMinuteTrips
9 күн бұрын
@@midasgoldmailWhy would you want that plan? You may be perfectly healthy now but what happens in the middle of the summer when that pain in your abdomen isn’t going away. What legitimate broker (pardon the pun) is going to serve up a plan that will leave you bankrupt the first time you get really sick?
@midasgoldmail
8 күн бұрын
@@TenMinuteTripsIn my zip code in New York, Plan G premiums start at $302/mo, Plan N at $220, and Plan G high-deductible at $68. That makes a compelling case for many to go with G-hd. And in NYS they have the flexibility to switch to another plan at any time.
@tammy_oh_nevermind
10 күн бұрын
I still have a year to figure all this out. Can anyone tell me what an agent will do for me? Why not just sign up on my own. What scenario would they be any help? Thanks!
@yy4uman
10 күн бұрын
Doesn't cost you anything, they'll know a lot of shenanigans that insurance companies pull, and which will increase costs less over time. Etc, etc. Plus, more eyes looking out for avoiding costly mistakes is always better.
@MedicareSchool
10 күн бұрын
By working with an agent or broker, you can efficiently compare multiple Medicare plan options. It's advisable to choose a company that offers plans from various carriers to ensure a wider range of choices. A broker can provide valuable insights and help you select a plan that aligns with your specific requirements. They may be familiar with regional regulations and nuances that you might not be aware of. Similar to our approach, we prioritize listening to our clients' needs to recommend the most suitable plans. We would be happy to assist, you can always reach our office at 1-800-864-8890.
@tammy_oh_nevermind
10 күн бұрын
@@MedicareSchool thanks!
@DebbieBennett-p5v
9 күн бұрын
Marvin, i have called twice with a question. I asked what plans are available since im getting ready to sign up, i was told to go to Medicare. Gov and look at plans!😅@@MedicareSchool
@ChrisSadowski-pp1np
10 күн бұрын
Plan G average annual increase 6.5%. plan N 4.5% HDG 2.5%. If a supplement costs has an average of a 7% increase every year A supplement costing $120 at age 65 will cost $240 at age 75 and $465 at age 85. To everyone who thinks plan G is the best option just wrap your head around those numbers. Clearly the choice for most people should be between plan N or HDG.
@UncleDavesKitchen
10 күн бұрын
My N plan is $103 a month. I see 3 physicians and only one charges a copay of $9 a visit. I see him twice a year so that's $18.
@ChrisSadowski-pp1np
10 күн бұрын
@@UncleDavesKitchen You made the right choice!
@warnerbrother9958
9 күн бұрын
I’ll take the G sounds about right to sleep at night
@ChrisSadowski-pp1np
9 күн бұрын
@@warnerbrother9958 N is just as good. Excess charges are almost non-existent and the co pays aren't that bad unless you go to the doctor more than twice a month. It's your choice, but unless you have a chronic condition going into Medicare like MS, G will soak you in premiums later in life.
@ChrisSadowski-pp1np
9 күн бұрын
@@warnerbrother9958 N is a better deal. Excess charges are almost non-existent and if you don't go to the doctor more than twice a month you'll be doing good.
@DannyTheIrishSwede
9 күн бұрын
How do you find out if a doctor charges “excess charges?” Seems an awkward thing to have to ask the doctor or the nurse triage, but I was hit with a couple hundred in what I believe to be excess charges by my pulmonologist’s office for an asthmatic condition after I had been treated and ‘scripted. Had I known that would happen I would have went elsewhere. Is there a website/clearing house that has this info available for the benefit of patients?
@MedicareSchool
9 күн бұрын
You can ask at the office legally providers have to inform you if they charge excess charges if a patient asks. I would advise just contacting the doctors office again.
@DannyTheIrishSwede
3 күн бұрын
@@MedicareSchool Thank you
@ginag6410
10 күн бұрын
Why does Wisconsin not offer a G plan?
@MedicareSchool
10 күн бұрын
They decided to have their own set of plans that are similar and/or play the same role as Medigap plans.
@andreavandekleut6379
10 күн бұрын
i was fine following , till you started to pick apart all those alphabet soup plans/LOL
@evelisseortiz8373
22 сағат бұрын
Horrible 😮
@jeanneneayres2105
6 күн бұрын
You talk too fast!
@owggarage723
6 күн бұрын
Go to the little wheel in the upper right corner and change the playback speed to .75. You will be able to follow it better.
@shipssink
10 күн бұрын
Thank you so much. I've learned a lot from your videos. I work with Justin C.; I hope he doesn't forget our phone meeting on Dec.13 at 8:30 a.m. I still need his phone number or email address. Thanks again. Ken
@MedicareSchool
10 күн бұрын
We are looking forward to that appointment, if you call our office at 1-800-864-8890. Our support team can provide you with a contact to Justin.
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