My Last 10,000 Clients: Nearly 80% Chose THIS Plan 🤯

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My Last 10,000 Clients: Nearly 80% Chose THIS Plan 🤯

Рет қаралды 338,797

Күн бұрын

✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool...
✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool...
Join Marvin Musick, the Medicare expert for Medicare School as he shares insights on the most popular Medicare plan based on his experience working with over 10,000 clients. As an independent Medicare broker, Marvin has written for various insurance companies and different Medicare plans, making him an authority in the field.
Through a detailed breakdown of the different types of Medicare plans, Marvin explains the gaps in Medicare coverage and the importance of Medigap policies in covering those gaps. He then reveals the most popular plan among his clients and analyzes its benefits and limitations.
Overall, Marvin's expertise in Medicare and his experience working with clients make this video a valuable resource for anyone looking to understand the complexities of Medicare plans and make informed decisions about their healthcare coverage.
✅ Join our weekly live Q&A through our Facebook group (click the link and press "Join": www.facebook.c...
#medicare #retirement #medicareschool #supplementplan #medicaresupplement #retirementrealtalk #retiring

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@MedicareSchool 12 күн бұрын

✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool.com/master-medicare/? ✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?

@rqangelful 10 ай бұрын

I want the same free coverage that Congress gets 😡

@gatherdust4035 9 ай бұрын

They have good insurance but it’s not free. Why not direct your ire at health insurance executives - you know, the people behind copays and deductibles and the prescription drugs they won’t cover. Healthcare is a business. Hold business people accountable.

@rqangelful 9 ай бұрын

@@gatherdust4035 exactly and they're in cahoots with their well paid (corporate donors) and lobbyists. That's why many people are getting fed up with the two party dictatorship, dems and repubs don't give a crap about hardworking, honest public.

@gatherdust4035 9 ай бұрын

@@rqangelfulcahoots oh my! you’re not capable of detecting real threats or harms but you must find swinging at shadows and stereotypes mighty invigorating.

@rqangelful 9 ай бұрын

@@gatherdust4035 what the heck are you talking about, our healthcare and political systems are corrupt to the core, are you really that ignorant??

@ejacques1157 9 ай бұрын

So do I!

@MrHunt79 Жыл бұрын

I have been helping people choose Medicare plans for eleven years. I hear so many false advertisements and false representations of the programs that it makes my skin crawl. However, this is not the case here. I listened to the entire video and did not hear one piece of misinformation in this presentation. I even bookmarked it to share with future clients. Great job, Marvin and crew!

@MedicareSchool Жыл бұрын

Thank you for watching and the positive feedback!

@claudiamccarroll4862 Жыл бұрын

@@MedicareSchool223,5 nmmyk

@CountryTenn1365 10 ай бұрын

Since ur experienced….what’s the best & economical? I have been on Medicare for a little bit but have forgotten and I have been Humana this year. I’ve had diverticulitis before my enrollment to Humana but had a flare up in August. So can I obtain the supplement G? TY

@MrHunt79 10 ай бұрын

@@CountryTenn1365 There really isn't a one-sized-shoe-fits-all for Medicare. I don't think it is fair to use words like "best" because what works best for my scenario, may be different for your scenario, which is then different for your neighbor, friend or relative. My advice is to reach out to an experienced Medicare agent and do a full "NEADS" review (not a typo, it's an acronym reminding us to focus on your needs). A lot of people believe that it will cost you more to use a Medicare specialist, but most of don't charge any consultation fees. The plans pay us so you don't have to, and you pay the same whether you go direct with the plan or go through us. In fact, we save our clients thousands by helping them avoid penalties, errors, and annual reviews to help with their Part D decisions. Medicare is very complex, and very confusing. There is a lot of bad information out there. (Not from these guys!) It is very easy to make enrollment mistakes. Like Medicare School, a good local agent can help you avoid these mistakes and find the Medicare solution that is best suited for you. On a side note, I enrolled my own mother into the AARP Medicare Supplement Plan G. 😉 But please don't self enroll! Use a local specialist. We are worth our weight in gold!

@kimp7977 10 ай бұрын

What to choose from Minnesota? No medication, healthy at this time

@teresitauy3692 10 ай бұрын

This is America , why does health care have to be complicated and expensive. Health care is a big money making business .

@Steve_in_NJ 2 ай бұрын

You just answered your own question -- health care is a money maker for the insurance companies!!!!!!!!!!!!!!!

@robtempe 2 ай бұрын

and even so the GOP wants to get rid of Medicare

@Steve_in_NJ 2 ай бұрын

@@robtempe Because the GOP is funded by the insurance lobbyists who don't want their bosses to lose one penny from their millions of profit!!

@BrendaIrwin-xr4fv 2 ай бұрын

@@Steve_in_NJ Get the government involved and it will be expensive.

@mariaasturias2884 29 күн бұрын

@@robtempesays who?

@DLTJR1959 Жыл бұрын

You do a great service to the retiree community. Clear, concise, and easy to understand. I appreciate your channel so much.

@MedicareSchool Жыл бұрын

Thank you for watching and the feedback.

@MedicareSchool Жыл бұрын

Medicare School If you have any questions, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@bigd3266 8 ай бұрын

@@MedicareSchoolhi I have a few questions to ask you I file for dac survivor benefits and I want to know do I get Medicare part A, B, C, and D. I also want to know how long I will get Medicare I'm on SSI Medicaid now. Does straight Medicare has part A, B, C, and D Do I have to pay any costs for any of my medical expenses and needs.

@robtempe 2 ай бұрын

Arizona G Plan monthly went from $185 per month to $209 per month starting in June 2024.

@carlmccoy662 Жыл бұрын

People have told me how "complicated" Medicare sign up is. You have just "uncomplicated" it for me. Thank you very much!

@MedicareSchool Жыл бұрын

So glad we could help!

@wells328 Жыл бұрын

It is really complicated, I just retired I almost wish I hadnt, after having to deal with this crap

@CWStern Жыл бұрын

@@wells328 It IS really complicated. I recommend Medicare School. We have three family members who used Medicare School to get signed up. Their services are top notch, presented in easy ways to understand & are available to answer any questions & assist with issues going forward (we moved 2 mos after signing up & they got us signed up with new plans - super easy process.

@Aleoop57 10 ай бұрын

I just wanted to say thank you for your help. I called the number on the screen and talk to one of your employees and they walked me through the options that I have been worried about since I started Social Security Medicare, and retired. They were not aggressive our pushy. They helped me with everything that I needed to know, and I didn’t need to change anything. Thank you for your help in solving the mental stress and the problems. I thought I had. God bless and be safe.❤

@MedicareSchool 10 ай бұрын

Glad you were able to benefit from our services!

@johnwoodrow8598 6 ай бұрын

I wish there was a class everyone could go to when they turned 60 to learn about Medicare and SS benefits. I am so glad I found Marvin and Medicare School. Thank you so much for what you do! This is life-changing information.

@alansach8437 6 ай бұрын

It's right here! Subscribe to this channel, get a cup of coffee, curl up in front of the fire and start watching!

@MedicareSchool 6 ай бұрын

Thank you for your support

@markg6860 Жыл бұрын

Very interesting! I chose a Plan N, as I rarely visit my doctor. I did read that the premium increases for Plan G were usually faster than Plan N, as G is the guaranteed-issue plan, so there are more sick people in that group. The pool of Plan N members tends to be healthier, so less of a premium increase.

@MedicareSchool Жыл бұрын

All Supplemental plans are guaranteed issue for 6 month from your B date.

@markg6860 Жыл бұрын

@@MedicareSchool But let's not forget the trial-right period. I was on Advantage for my first 11 months of Medicare(just to get all the freebies and some free dental stuff done), then switched to Medigap N, with no underwriting needed.

@youngtimer964 Жыл бұрын

I’ve had N for 3 years with no increase. Wife has G and had increased every year.

@markg6860 Жыл бұрын

@@youngtimer964 I've had annual increases on my Plan N, but only a few dollars, each renewal. Unless you are always at your doctor's office, Plan N makes more sense for most Seniors.

@christinedaley5580 Жыл бұрын

You seem to be pushing plan G. Yes all supplement plans are guarantee issue for 6 months from BD but that’s it. Plan N is no longer guarantee issue after that time frame. Plan G takes it all on and Definitely headed for higher premiums and increases. The state of Florida is one of the highest priced medigap states and plan G runs $60 to $80 more a month than plan N making plan N a much better value. For a 65 year old female Plan N like $160 vs $220 plan G at least a month. Also yearly premium increases much more likely to be less with plan N. No brainer in south Florida which is the best choice for a fairly healthy individual. One would have to see 30/40 specialists yearly to make plan G a better choice than N. And excess charges are basically unheard of as 98% of physicians accept Medicare assignment. So if plan G is only say $10 or $20 more a month in some states then by all means go for G. But when it’s $60 to $80’more a month plan N the better choice for many in south Florida.

@kennethmills5470 9 ай бұрын

The Best I have heard it explained. I chose plan G 2 yrs ago and have questioned myself, but now I know I made the right decision.

@hawksfan Жыл бұрын

So glad we signed up through this Medicare school . I’m always surprised when people choose a plan based on not seeing a doctor very often , as we get older , 10,20 years later , the risk of seeing a doctor more can go way up, or we can suddenly get very I’ll . I don’t plan on getting into a car accident ever but I’ve been paying for car insurance since I started driving at 16 years old. Choose wisely.

@MedicareSchool Жыл бұрын

Thanks for the insight. Thank you so much for allowing us to serve you. If you have any other questions, please don't hesitate to reach out to our client support team at 800-864-8890. We look forward to serving you.

@TalkingGIJoe Жыл бұрын

you can only ever do what you can afford... simple as that.

@surf6009 Жыл бұрын

@@TalkingGIJoe That is a great comment!

@sct4040 Жыл бұрын

My retirement medical account will pay for all my copays on Plan N. Some have HSA as well.

@sct4040 Жыл бұрын

Plan N starts at $215 per month in NYC. I plan to use my retirement medical account for all the copays. I invested the money in an Index 500 mutual fund during the bull market.😂 That’s my game plan.

@thomaswilke6312 Жыл бұрын

Very informative. You have clearly articulated the reasons for each plan. I read in Forbes that the majority of the people invariably choose the medigap plan rather than the advantage plan if they could afford it but the only reason mentioned was no pre-authorization and no network of doctors to worry about. Thank you very much for taking the time out to make such an extremely concise presentation

@justwannasay5454 Жыл бұрын

I read that original vs MA is like 50/50 (signups) How can this be true? What are people thinking? They are being misled by all the terrible commercials pushing medicare advantage. Its a travesty. You have to research plans yourself. Listen to this man! It couldnt be more clearly stated.

@MedicareSchool Жыл бұрын

Thank you for your feedback. My pleasure! If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@vallang4832 9 ай бұрын

We have plan F.

@shall5867 7 ай бұрын

@vallang4832 Does plan F cover the Part B premium and Part B deductible?

@youngtimer964 Жыл бұрын

I am shocked that plan N is booked so infrequently! I have had it for 4 years and I think it’s a great value. But if you go to the doctor often, better get G.

@MedicareSchool Жыл бұрын

Many people that choose the G over the N are thinking about the 15 percent access charges and if something major happens like cancer that can become a risk factor.

@christinedaley5580 Жыл бұрын

Cancer probably has nothing to do with excess charges. 98% of physicians accept Medicare assignment including oncologists. It’s big shot psychiatrists that may charge them but that’s about it. Insurance brokers scare people with this excess charge stuff which is basically unheard of. But the higher the premium the higher the commission to the broker.

@christinedaley5580 Жыл бұрын

@@maryculbertson7349 I like plan N also. Gives great coverage just like G. No co pay for physical therapy. Just PCP and specialist. Covers 100% in patient hospital. ER visit $50 co pay, waived if admitted. Big deal. And excess charges unheard of. In south Florida best choice for many!! 👍👍👍

@TalkingGIJoe Жыл бұрын

I thought the same thing... but some folks can't pay anything without destrying their "bank accounts" considering that most people have little to no savings... sad state of affairs.

@curtisthomas-eg4th Жыл бұрын

It's a great value as long as you never get sick.

@ubtrippin9980 Жыл бұрын

G also has the highest increases in premiums every year

@MedicareSchool Жыл бұрын

The rate stability can vary by company. Some have more stable rates than others.

@candicethompson703 7 ай бұрын

F has the highest!!!

@bennym1956 4 ай бұрын

Not really, only about $20.

@pamelawing5747 10 ай бұрын

I have plan F and will keep it as long as I can afford it. Advantage advantages NO one but the insurance company.

@candicethompson703 7 ай бұрын

I have this plan. Best plan ever!!!

@jerichojohnson3219 5 ай бұрын

@Charlie9165 9 ай бұрын

This guy khows what he is talking about. Having worked in this market with hundreds of clients I can tell you that the misinformation from some sources leaves much to be desired. I would like to commend Marvin for putting together his videos to help those who are so bombarded and confused with information that is not always transparent. Thanks Marvin for all the good you do for people. If more were like you, the CTMs (complaints to medicare) would not be a problem.

@MedicareSchool 9 ай бұрын

Thanks for watching!

@lorielundgren7169 Жыл бұрын

Very useful information! I enjoy the straightforward factual style of education. I am turning 64 January 2024 and in the process of learning everything I can about medicare and social security. Whew - what a steep learning curve! So easy for the average person to make a mistake that they will have to live with for the rest of their lives. In my personal opinion, the choices about Medicare are simpler than choosing when to start getting SS benefits. I'm sure I will take a G plan because I have several health issues that could become very expensive in the future. Presently, I enjoy good overall health and would like to begin working part time and collect possibly at 64 just to maintain my current monthly income, but have more personal free time. That's what I'm leaning towards, but things can change as I learn more. Thank you so much for your most helpful videos!!

@MedicareSchool Жыл бұрын

You're very welcome. Glad it's helpful!

@eileengabellini6935 Жыл бұрын

Your information and communication is the best by far about medicare. Thank You❤

@MedicareSchool Жыл бұрын

So glad to help Eileen!

@anniesshenanigans3815 10 ай бұрын

I have a FB group for ppl that are older and although it's not the reason for the group, questions about Medicare supplements come up CONSTANTLY!!! This is a really great explanation!!

@MedicareSchool 10 ай бұрын

Thanks for sharing!!

@linhaton4957 Жыл бұрын

I have plan N and really think it is a good value.

@MedicareSchool Жыл бұрын

Thanks for the comment.

@christineparker7101 11 ай бұрын

@@MedicareSchool Thanks for comment huh 😢😂 you people are a mess. This Medicare stuff is a hit mess. But one thing I must say you guys is going to meet God one day for all this misinformation, misleading etc... you people know we the people don't have the knowledge of what is needed. Lord help the seniors please that we may make the right decision in The Name of Jesus 🙏🏿🙏🏿🙏🏿

@yaneznayu9997 Жыл бұрын

I'm on Plan F and I use the shit out of it for preventive care. I go where I want, whenever I want. My mother-in-law had hip surgery and spent 45 days in a skilled nursing facility at the Carlsbad, CA beach, then had a month of in-home therapy. Not one red cent billed to her under her Plan F. Plan G is the next best thing, I believe.

@MedicareSchool Жыл бұрын

Great choice. Thank you for sharing.

@candicethompson703 7 ай бұрын

I have plan F. Best plan ever.

@bennym1956 4 ай бұрын

Plan F is age restricted and no longer available for new retirees !!

@yaneznayu9997 4 ай бұрын

@@bennym1956 I believe that Plan G (at least one of the flavors of G) amounts to the same thing. You pay the Medicare deductible but the premium is about $30/month cheaper, essentially a wash. Same coverage after the deductible.

@MW-greatteacher10 9 ай бұрын

I have a few years until 65. I will be retiring from GA shbp. They only offer MA plans with Anthem or UHC. If you do not elect the coverage at 65 you cannot rejoin shbp MA. Some teachers have had issues (especially with Mayo) and some say its great. It will be a difficult decision when the time comes but I have enough experience as an RN to understand the health implications of aging. It shouldn't be so difficult. We need to get what Congress gets.. everyone in this country. Period.

@dennislaplant95 Жыл бұрын

Marvin, another very well done, and informative video. However, I'm very surprised at the big difference between the number of G & N enrollees. I'm curious if this reflects the wealth of those clients and their financial ability to prioritize plan simplicity over long-term value. For me, Plan N is currently $50/mo cheaper than G and has shown to have a better rate stability than G. I'll gladly deal with the copay & potential excess charges "hassle" to save $600/yr and likely even more going forward.

@MedicareSchool Жыл бұрын

It varies how much less it can be in different areas. In many areas it's around $20 or less difference. When thinking long term, many consider the fact that if something major happens, like Cancer, the risk of having 15% with no limit to your Out Of Pocket cost, makes the Plan G the more popular option. With more people going with thr G plan, it actually has more rate stability overall.

@dennislaplant95 Жыл бұрын

@@MedicareSchool You bring up some interesting points. However, couldn't I purchase a Cancer policy for less than the $50 premium cost difference? Also, while G currently has more enrollees than N, doesn't it tend to attract people that need (or feel they will need) more medical care than Plan N? And isn't Plan G a Guaranteed Issue Rights plan whereas N is not? Wouldn't that also make the N enrollee pool generally healthier and help keep it's rates more stable?

@MedicareSchool Жыл бұрын

You could, that's up to you, but the 15% could apply to other major health issues that could come up besides Cancer. Also, in many areas the rate difference is much lower. With so many people in the G plan pool, more premiums going in, I believe it's more stable.

@christinedaley5580 Жыл бұрын

@@MedicareSchool $10/20 a month more for G then yes. $60/80 more a month no. N much better choice for most. And not sure why you keep focusing on cancer and excess charges. Chemotherapy has no excess charge and oncologists accept Medicare assignment. 98% of all physicians whatever specialty in the USA accept Medicare assignment. That’s a fact.

@tueches1822 10 ай бұрын

@@christinedaley55802% of doctors don't.

@jamesmaggio7560 8 ай бұрын

Correct me if I’m wrong but most Doctors do not charge the “excess” fee ?

@fly_ona_wall729 Жыл бұрын

Feel peaceful about plan G...omg thank you

@MedicareSchool Жыл бұрын

Thank you for the feedback. You're very welcome.

@mwcmom Жыл бұрын

Such great information! I have procrastinated making a decision but was finally able to understand all the options through Medicare School. I highly recommend the videos.

@MedicareSchool Жыл бұрын

Glad it was helpful!

@pumpupjam9648 11 ай бұрын

In states that allow excess 15 percent, it's horrible pricing for premiums with supplemental companies. Plus, if you live in a bad zip code area, the premium goes even higher for G plan. In 2022, I was paying every month $165.00 premium for my G plan. When I first got this plan, I was paying $80.00 in 2018. I didn't wait for the increase for 2023, and went to the N plan, that cost $102.00 a month. I researched doctors in my area who did not charge EXCESS. And my co pay, is only when I see my doctor and or someone else.

@MedicareSchool 11 ай бұрын

If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@PCTLadyPuterTutor Жыл бұрын

Your videos have been so helpful and easy to understand. I am not eligible for Medicare for 2 years yet, but I have started to do some research on it to make sure I fully understand what I am choosing to do when the time comes. Thank you so much for all of this information!

@MedicareSchool Жыл бұрын

You are welcome. we look forward to helping you get your Medicare setup correctly in the future!

@candeffect 10 ай бұрын

Why no mention of G-HD? I have it primarily because of the incentive to stay healthy to avoid medical costs and knowing what the max out-of-pocket cost would be. The medical industry can't make money from healthy people.

@beautifulrainbow6989 Жыл бұрын

Thank you Marvin very well explained. ☺❤

@MedicareSchool Жыл бұрын

Thank you for watching and the feedback.

@melissaaustin5082 Жыл бұрын

Thankyou so much! I'm going to be 65 in a few months and this is very useful information for me. Thankyou so much!

@MedicareSchool Жыл бұрын

You're so welcome!

@MedicareSchool Жыл бұрын

If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@MedicareSchool Жыл бұрын

You're so welcome!

@MedicareSchool Жыл бұрын

If you have any other questions or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890.

@mommamiap Жыл бұрын

What are the eight states where doctors can’t charge excess? By the way, husband and I are at 64 and 63 respectively, and we’re beginning to inquire how all this medicare works. (He will retire at 66.5 to get me to medicare as well.) Thank you for all you are doing on this channel.

@mommamiap Жыл бұрын

Finally found it in the medicare guide. :)

@MedicareSchool Жыл бұрын

Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont. If you have any questions, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@user-oh7mn4jr4u Жыл бұрын

@@MedicareSchool Thank you!!

@MedicareSchool Жыл бұрын

You're welcome!

@robertbrost7777 Жыл бұрын

@@MedicareSchool Of course not NJ, just the pharmaceutical capital of the country. Sad.

@cynthiablevins751 Жыл бұрын

So it seems the medi gapplan G is the best plan to start with so you don't have headaches later for that health underwriting.

@MedicareSchool Жыл бұрын

Medicare supplement plan G is a great option. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@9liveslisa 11 ай бұрын

Thanks again for the explanation. If I wasn't already signed up for Medicare, I would sign up for the "G" and "Rx" Medigap plan, but I'm stuck with the Advantage Plan, but I'm not too upset it is too late for me to get the Medigap plan. What I will do is educate people who haven't signed up yet for Medicare that Medigap "G" with an "Rx" plan is the way to go.

@MedicareSchool 11 ай бұрын

Thanks for the comment. We would be happy to review all your options.If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@sb6759 11 ай бұрын

What is "Rx medigap plan "? Any video?

@9liveslisa 11 ай бұрын

@@sb6759 I mis-spoke. I got a prescription plan when I signed up for my advantage plan. Not sure how it is for other plans.

@vwchan841 Жыл бұрын

I'm still 6 years away but this video is very educational and informative. Thank you!

@MedicareSchool Жыл бұрын

Thank you for watching!

@bigdog1150 Жыл бұрын

Note that there ARE cases of pre-authorization (or at least confirming coverage with Medicare) with Plan G. My wife has yearly physicals and last year her costs for this was not covered. Why? Because her doctor scheduled it a few weeks too early. Medicare would not cover two physicals within a 12 month period.

@MedicareSchool Жыл бұрын

Thar would be a confirmation/ verification of coverage, not a prior auth. Medicare Part B (Medical Insurance) covers a “Welcome to Medicare” preventive visit once within the first 12 months you have Part B. You pay nothing for the visit if your doctor or other health care provider accepts assignment. The Part B deductible doesn’t apply. Correct, Your first yearly “Wellness” visit can’t take place within 12 months of your Part B enrollment or your “Welcome to Medicare” preventive visit. However, you don’t need to have had a “Welcome to Medicare” preventive visit to qualify for a yearly “Wellness” visit.

@alansach8437 10 ай бұрын

Medicare doesn't cover physicals, only next to worthless "wellness" checks. They are mainly, "Draw a picture of a clock reading 10 minutes to 2!" and remembering five words while they distract you. Checking for dementia. Also, a quick eye test (even though Medicare doesn't cover vision!) If you so much as say that your baby finger hurts, it becomes a diagnostic and your deductible kicks in!

@JBoy340a Жыл бұрын

Thanks Marvin,for keeping people educated. Looks like we are with the herd. Plan G + gap coverage. So far it has been great. Way cheaper than the pre-Medicare when we had to buy our own coverage because we were a small employer. We can use any doctor in any healthcare system that take Medicare, which is almost all. Out-of-pocket has been right in the middle of Marvin's estmates. So glad we did not go with any of the dozens of Medicare Advantage companies and Healthcare groups that contacted us.

@MedicareSchool Жыл бұрын

My pleasure! Thank you for your feedback.

@patrickbink4617 Жыл бұрын

I am just starting down the road to understanding all this so I am finding this video very helpful.

@MedicareSchool Жыл бұрын

Glad it was helpful!

@MedicareSchool Жыл бұрын

If you have any other questions, or need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@charlesluck8921 Жыл бұрын

I've watched a number of your videos, among others, and I don't know where you get these premium figures from, but... I live in Broward County, FL and AARP UnitedHealthcare for 2023 is asking for $234.14/mo. for Plan G; not to mention the monthly Medicare premium, and the Part D drug plan with it's premium and drug plans. I'm looking at $425-$450/mo. Although I'm turning 65 in February 2024, I'll be nearly 2 years short of full retirement age, and was not planning on taking an SSA check, just yet. With so many on the Left pushing for Medicare-4-All, I'd be happy with with better coverage for Seniors, because what this looks like is Highway Robbery.

@MedicareSchool Жыл бұрын

FL is one of the states with higher rates for Medicare Supplement. Those are the average rates in most states. Feel free to reach out and we can go over the most cost effective options for your needs. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@diannemcdowell7514 10 ай бұрын

It looks like since I am 72 go to F plan instead of advantage plan. Great if do not have to pay extra for anything once deductible met. Going to make appt. To switch plan. Thanks

@beoz658 6 ай бұрын

I spent 10 hours on the phone with Hospitals, doctor groups, UHC back and forth. Denied more times than I can count. Finally as I was going to give up and go back to Kaiser I found a doctor at the hospital I wanted. I have Original Medicare ABDG with AARP UHC. So stressful.

@sunshadow465 10 ай бұрын

Awesome presentation. Thank you for breaking this down. I have some years ahead before eligible for Medicare, but been learning about how it works with different plans. You have really given me clarity.

@MedicareSchool 10 ай бұрын

Glad it was helpful!

@Tatagua1366 8 ай бұрын

You didn’t mention that plan G is a guaranteed issue plan which makes it more likely to have big monthly and deductible increases. Very few mds charge excess fees. For me it will be plan N. Thoughts?

@MUKESH363 Жыл бұрын

Excellent information and very well explained in very simple way .!!! Love it . Thanks

@MedicareSchool Жыл бұрын

My pleasure! Thank you for watching.

@benmiles5479 3 ай бұрын

This is very helpful.

@MedicareSchool 3 ай бұрын

Glad you think so!

@MrPelotero53 9 ай бұрын

Best educational piece on Medicare plans ! Thank you for taking the time to explain. Well done.

@MedicareSchool 9 ай бұрын

Thank you for watching

@williamrogers1219 Жыл бұрын

Currently, my wife has the following 2023 Medicare costs: Plan B Medicare monthly premium = $164.90, Plan G monthly premium = $92, Plan D monthly premium = $10.70, and $15 copays on Tier 1 medications with a 90-day supply. Interestingly, one prescription is for double the dosage. This requires us to cut the pills in half, but the 90-day copay is zero rather than $15.

@MedicareSchool Жыл бұрын

We would love to take a look at her prescription plan and costs for the upcoming year. Give us a call at 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@williamrogers1219 2 ай бұрын

@@MedicareSchool For 2024, the Plan D premium was reduced to $0.50 per month.

@mrs.e_green Ай бұрын

This is the best break down explanation I've heard. Thank you so much 😊

@MedicareSchool 28 күн бұрын

Happy that we can help, if you have any questions you can contact us at 1-800-864-8890!

@Brookside975 10 ай бұрын

One part of Medicap plans that I did not hear you mention is that it goes up 10-22% a year after the first year! When I signed onto my plan N when I started on Medicare, it was under $90 a month. Now at age 74 it is $190/mo! Good plan, but increases are HUGE!

@MedicareSchool 10 ай бұрын

My team would be happy to assist you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

@skydancerforever 8 күн бұрын

I Guess it all comes down to what each plan (G or N) cost in my area and how good is the MAPD plans are in my area to even consider????

@MedicareSchool 7 күн бұрын

Yes, all good things to keep in mind when deciding what coverage you would like. We can help navigate and assist when it's time. You can contact our office at 1-800-864-8890.

@patburton837 2 ай бұрын

Thanks for explaining all the health coverages. I took the F plan.

@wade5544 Жыл бұрын

It seems to me that you lean towards G when promoting options. Would that have anything to do with a larger commission? My understanding is that the cost of G is increasing annually faster than N. Am I correct? And the part Ds are the same.

@MedicareSchool Жыл бұрын

No it would not. There's no difference in compensation that agents receive between the Supplement letter plans when we help people. No, Plan G has stable rates because of so many people in the pool, more premiums coming in to offset claims. Plan G has less risk for our clients. 15% Excess charges on something major like Cancer for example, makes the small premium difference between N and G, not worth it to go with N. In some areas that can vary and rules are different in some States so in s9me cases N can make sense.

@itqaanalyst Жыл бұрын

You are correct. Plan G pays the highest commission and Plan G is experiencing the highest rate increases. Plan N Excess Charges are so rare they are a non issue.

@MedicareSchool Жыл бұрын

Agents do not receive different compensation between Supplement companies or letter plans. So again, no difference.

@tastx3142 13 күн бұрын

I’m 66 and was covered under my husband’s insurance through his job but recently lost it. I have had A&B since 2016 due to disability. I was offered 3 drug plans and only one is $55, the other 2 are over $100/month. An 80 year old neighbor pays only $50. I don’t understand why there’s so much disparity and worry if costs go up, we won’t be able to afford anything.

@kellycopeland227 Жыл бұрын

I became an agent last year and I have watched your videos and learned so much. Would love to talk to you sometime. Thank you!

@MedicareSchool Жыл бұрын

Glad it has been helpful!

@goji8430 9 ай бұрын

This is the best Medicare plan video I’ve watched! Thank you for explaining everything so thoroughly and easy to understand. Your energy and enthusiasm is amazing!

@MedicareSchool 9 ай бұрын

Thank you for watching

@jdenino6022 9 ай бұрын

@@MedicareSchoolyou talk very fast😂

@wisconsinfarmer4742 Жыл бұрын

Your energy at the white board makes the presentations as watchable as our favorite teachers of yesteryear. A sign of the god within. A person who prefers to live in joy. I'm 66 and working full time having a blast at my job. Don't know when I will retire. Still mistaken for a man in late 40's. Imagine the excesss wealth coming in while earning full-time pay plus a healthy SS check every month. I can fund my grandkids college out of pocket. Loving one's life is the formula for longevity and prosperity.

@MedicareSchool Жыл бұрын

That's great, thank you for sharing.

@mikesuess9891 9 ай бұрын

Thank you for this thorough explanation, I've been going nuts trying to figure it out. I believe you have helped me decide

@MedicareSchool 9 ай бұрын

Glad I could help!

@rustyBdTZ Жыл бұрын

The discount for N easily pays the part B deductible compared to G, that's 5/6. I'm letting the sick get G and the healthy get N so the increases will be less.

@MedicareSchool Жыл бұрын

Thank you for the insight.

@anniedavis4507 Жыл бұрын

@@MedicareSchool But the N plan does not cover the copays or excess charges, correct? Due to lower reimbursement rates, I feel more Drs may start to include excess charges. Thank you for the great education as I'm finalizing decisions

@rustyBdTZ Жыл бұрын

@@anniedavis4507 when more providers stop accepting the Medicare-approved amount as full payment then the price of a plan that includes the excess will go up!

@ItsMe-rr9nh Ай бұрын

@@anniedavis4507 I totally agree - just wait 5-10 years down the road when providers will have no choice but to start to implement “excess charges” due to the Medicare cuts to providers. And when plan N was introduced in 2010 it said in the report that the co-payments can be “adjusted as needed” in the future.

@michaelmclaughlin1958 10 ай бұрын

I’m 79 and on plan F (attained age premiums that increase over time) since I started Medicare part B. Can I choose to move to Plan G without underwriting and how much would it cost?

@MedicareSchool 10 ай бұрын

There are different factors to be considered here such as carrier, your state of residence, etc. Give my team a call for more accurate information 800-864-8890 or visit us at www.medicareschool.com

@Colt-ii4qn Жыл бұрын

I’ve got G and ain’t letting go, just got on and lovin it. Have fun with any advantage plan. It’s gonna get you later cause we all get sicker 🤕

@MedicareSchool Жыл бұрын

Thank you for sharing. If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@ItsMe-rr9nh Ай бұрын

I agree - same for plan N (Just watch 5-10 years down the road with plan N) Don’t get stuck in a plan one cannot get out of)

@janicemartin5802 Жыл бұрын

Always enjoy your sessions very informative & Truthful

@MedicareSchool Жыл бұрын

Glad to hear it!

@Mickey-jn8hz 10 ай бұрын

I would like to get plan G, how do I do this? I live in Florida but we spend the summer in Canada, very near the NY border. I am now on Humana HMO and not covered out of Florida. I am 81 and do not take any of the “designer” drugs as I call them. No worrying health problems either. Please help me get this so I will stop worrying should something happen. Thank you.

@MedicareSchool 10 ай бұрын

If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

@ahmabwatchindis1009 Жыл бұрын

I wish I would’ve seen this when I first went on Medicare! I have a good plan from work but it is an HMO. Still considering looking into this…

@ahmabwatchindis1009 Жыл бұрын

BTW… Thanks for explaining this so well! Totally sheds a light on the confusing info…

@MedicareSchool Жыл бұрын

@georgesteer4137 Жыл бұрын

Great videos, I have learned a lot in just a week of watching them. Thank you. How does one start a career in Medicare sales? Any suggestions would be greatly appreciated.

@MedicareSchool Жыл бұрын

Thank you, helping to educate people is a great way to begin.

@rickbunch868 9 ай бұрын

How much does it cost monthly for gap F and what about the prescrition coverage on this plan ?

@MedicareSchool 9 ай бұрын

My team would be happy to assist you with setting up your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

@jimtalor7971 10 ай бұрын

As a Vet with Medicare A+B it appears that Tricare for Life covers some gaps but falls short in Vision and Dental due to cost. Thanks for the video.

@vallang4832 9 ай бұрын

The way I see it. Just save for the vison and dental and do not buy a plan. If you don’t use it you do not lose it by saving.

@simino2320 10 ай бұрын

I love this teacher. I am s and language. My wish I see this school 4 years ago. No one helps like hime Now I am in trouble. I am not sick but still I scared for apply for gapmidcar

@MedicareSchool 10 ай бұрын

If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

@rustynail3630 2 ай бұрын

I have a MAPPO plan and like it. It’s not for everyone but I am 68 and in good health and take no meds. I would change to a Plan G plan if they eliminated gym memberships or dental plans.

@sooner_born2256 Жыл бұрын

I like Plan N, not many problems, so with the lower premium it's saving me money.

@MedicareSchool Жыл бұрын

For some people, it makes sense if you're in a state that doesn't allow access charges. In most states, the 15% charges is an area of risk if something major happens, for example, cancer.

@MedicareSchool Жыл бұрын

@belle42 Жыл бұрын

But if you go to the doctor or urgent care you have to pay the copay. And the possible extra 15%. For peace of mind I'd rather pay a couple hundred more a year.

@sooner_born2256 Жыл бұрын

@@belle42 Fair point but the copay is NO MORE than $20 each time, so $80 to $100 a year vs $200 more a year, and as someone else mentioned plan N likely to attract healthier people and see lower premium increases. Also keep in mind that the price difference depends a lot on where you live so you have to do the math. I wanted a policy that is less likely to skyrocket in price as I age, fingers crossed on that. Excess charges are rare and you can easily prevent them by checking if the provider accepts medicare assignment.

@ItsMe-rr9nh Ай бұрын

@@sooner_born2256 (That’s for now)

@CrossForum Жыл бұрын

Good info as always. When I signed up late last year I narrowed in down to the N or G plan. I chose the G just due to the fact the supplemental premium I would be paying was just a very little, very minimal more than the 'N' plan premium from the same provider; it just made sense to go with the 'G' plan. The big 'disadvantage' to an 'Advantage' plan was the yearly reset on their deductibles. If I was to be getting treatment for a condition that spanned two calendar years I could be stuck with sizable deductibles for both those years in a short period of time (December -January).

@MedicareSchool Жыл бұрын

With Plan G, you would only be responsible for the Annusl deductible (this year just $226) then have 100% Medical & Hospital coverage for that year. Very Comprehensive coverage.

@MedicareSchool Жыл бұрын

If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@NelsonFamily-p8r 7 күн бұрын

the advantage plan is atractive due to added vision, dental and hearing. I have yet to hear anything about adding these features to a supplemental plan, but I suspect they exist.

@MedicareSchool 7 күн бұрын

Those would be stand alone plans so not included in the supplement policy. Here is a video discussing dental and vision! kzfaq.info/get/bejne/qt-hlLl1l6jWYqs.html

@jwslks 10 ай бұрын

Plan N is the best plan for most people. The excess charges are practically non existent because, 99% of the Doctors accept what Medicare pays.

@henryher Жыл бұрын

My wife and I both have BC/BS Plan F. We pay $221 mo each for the plan. We are very happy with this plan so far. All the doctors take it. We see no bills and we love the peace of mind. She has many health issues. She just had knee surgery a month ago and we were able to get the best surgeon for her. I also have some health issues that guarantees I will be hospitalized at least once a year. My question is how difficult would it be to switch now to Plan G if we wanted to? I would have to see how much the BC/BS Plan G premium would be. I wouldn't want to move from BC/BS because that is the one plan all my doctors and hospitals will take.

@MedicareSchool Жыл бұрын

There is no diffence between Medicare Supplement Plans when it comes to 3 things: Coverage, Networks, and Customer Service. Keep in mind Medicare itself is your Primary Insurance, you can go to any provider that accepts Medicare, so, no matter what company you have for your Medicare Supplement, by law they will bill it.

@MedicareSchool Жыл бұрын

In regards to making changes and Underwriting health questions asked, can you tell me what State do you live in?

@BeverlyMaloy 11 ай бұрын

I have the same coverage and am pleased as well, I had spine surgery last year. I'm in PA so I would love to hear what @MedicareSchool has to say about changing to plan G.

@henryher 11 ай бұрын

@@MedicareSchool I live in Florida

@henryher 11 ай бұрын

@@MedicareSchool I have a question on billing. Does the provider bill the supplement plan or does Medicare bill them?

@kenpoulin6672 Жыл бұрын

Surprised that the MAPD plans came in ahead of the N plan, interested and thanks Marvin for the info. Always very informative. Ken

@MaryBethMcCoy Жыл бұрын

I agree. I have an N plan. I think the reason that so many people choose an MAPD plan is because they don’t want to pay a monthly premium. In my opinion, people who do this are not considering their potential healthcare needs later on. Unless your financial situation is such that you cannot afford the Plan N or high deductible G plan, most people should choose a Medigap plan rather than a MAPD plan. Exceptions would be those people who had government or military careers or people who live in large metro areas where there may be some MAPD options that are superior to the typical MAPD plan.

@MedicareSchool Жыл бұрын

We can help you find the most competitive rates with rate stable carriers in your area. Feel free to call us for a Medicare review so we can check on lowering your rates. If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@kenpoulin6672 Жыл бұрын

@@MaryBethMcCoy I am a Army veteran but think the same basics will be in place. Hmo or ppo and good for your area as well as the max out of pocket. Along with copays. Still trying to get through my head why va drug coverage is credible but va health care isn't for Medicare. N is looking good.

@shoesprite Жыл бұрын

Agree with your surprise Ken that Plan N is not in the #2 position. I think this is because people are not being fully educated about Plan N and are being steered more toward Plan G by many insurance agencies. My opinion.

@turbowarp Жыл бұрын

@@kenpoulin6672 Careful with VA pharmacy... They only fill VA prescriptions. If an outside doctor prescribes something, to get the VA to fill it, you have to get a VA doctor to agree with your diagnosis and re-write the prescription.

@gloredon 10 ай бұрын

I am approaching my Medicare decision point, and am a military retiree who will be in Tricare for life. It seems like the decision for my situation will be between the MA-only plan or the very popular Medigap G plan, but without the additional Rx plan needed, as Tricare for life will cover that. The trade-offs appears to be: If the lack of pre-authorization worth paying the extra $125/month? The once a year part be deductible is pretty inconsequential in the grand scheme of things. Having been at the wrong end of pre-auth while on Tricare Prime a few times, it can occasionally be a nightmare.

@MedicareSchool 10 ай бұрын

If you have questions or need help setting up your Medicare coverage correctly, give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

@ItsMe-rr9nh Ай бұрын

What do you think about Florida Blue BCBS PLAN N ? I’ve had a BCBS plan all my working years and love them. Why dump them now at Medicare age 65 soon?

@rqangelful 10 ай бұрын

When I was younger I thought that Medicare was free 😂

@eddiemo2748 Жыл бұрын

Thank you for clarity

@MedicareSchool Жыл бұрын

You're welcome!

@GaryR55 16 күн бұрын

I never see a bill, either. I'm a QMB.

@Steve_in_NJ 2 ай бұрын

MAPD PPO makes the most sense for me for now -- sounds like a cheaper version of my PPO private plan now under ACA. Plus the "perks" which I need such as hearing aids, eye exams and glasses, and dental. Plan G is good, but premiums would be about the same from what I'm paying under the ACA after my tax credits. Don't know if I can afford paying the same even without needing pre-authorizations or worrying about a network. That being said, how common is it for someone during open enrollment to go from a MAPD to a Plan G or the other way around?

@bennym1956 4 ай бұрын

2 years into retirement. I chose medicare A, B, AND D plans. Bought a supplemental for Part B NOT an Advantage ! Best decision ever. Aetna supplemental plan pays for all other costs.

@MedicareSchool 4 ай бұрын

Happy to hear this!

@bennym1956 4 ай бұрын

@@MedicareSchool Yup, $100,000 hospital bill for a major P/E and it paid all of it. Shouldn't have been able to walk into emergency room is what 1 ICU nurse put it and turning blue. In 25% survival percentage !

@tombkk1322 29 күн бұрын

Your videos are the best! Thank you.

@MedicareSchool 28 күн бұрын

We are happy we can help!

@cchawk6280 7 ай бұрын

This whole process is stressing me out as I approach 65. Still working and can keep coverage from work because I have dependents, that’s good. Stress comes from trying to accept that I will have to pay a monthly premium and will only have SS as an income. When I quit working, which is at about 70 years old. And if company doesn’t squeeze me out due to age.UGH!

@sstarkey1695 10 ай бұрын

I wish I known this 9 years ago.

@guloguloguy 13 күн бұрын

WOW!!!!!!! THANK YOU, VERY MUCH, FOR ALL OF THIS DETAILED, HELPFUL INFORMATION!!!! I'M TRYING TO WRAP MY HEAD AROUND ALL OF THIS COMPLICATED STUFF!!.. WHOA!!

@MedicareSchool 13 күн бұрын

Glad we can help, if you need us give us a call at 1-800-864-8890!

@wakeup6910 Жыл бұрын

Very informative and helpful, Medicare isn't as bad and expensive as people make it out to be, thank you for the information 👍

@MedicareSchool Жыл бұрын

Glad it was helpful!

@anniesshenanigans3815 10 ай бұрын

it is when you only get about 1200 or less SS a month and there are numerous ppl in this situation.

@wadedog4280 3 ай бұрын

What are the states that doctors aren't allowed the excess charges

@MedicareSchool 2 ай бұрын

CT, MA, MN, NY, OH, PA, RI and VT

@waltergardner492 9 ай бұрын

Thank you so much for your videos, they've really helped me. I'll be hitting my FRA January 1 2024 and I feel good about the decisions I've made on the advice you've given. I'm in fair health so I have a good supplement plan in place with vision, hearing and dental now which is something I didn't have before. I've been bombarded with relentless Medicare marketing calls every day. Do they ever stop?

@MedicareSchool 9 ай бұрын

Thank you for watching.

@kerrischuh8000 Жыл бұрын

I found Medicare and supplemental plans confusing. I started watching your videos and was able to decide which plan I wanted for my husband and I. Because I have some health issues and we are planning to move to another state in a year or two, we chose Plan G.

@MedicareSchool Жыл бұрын

Glad it was helpful. kzfaq.info/get/bejne/bp-ol6aS0tezf4E.html If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@gr8ride411 Жыл бұрын

Excellent presentation. Clear and concise. Thank you👍🏽

@MedicareSchool Жыл бұрын

Thank you for watching! Glad it was helpful to you. If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@sb6759 11 ай бұрын

My employer offers Retiree Group Atna PPO plan. I am debating, should I accept the employer 's PPO plan or should I buy supplemental G plan? Please reply

@MedicareSchool 11 ай бұрын

kzfaq.info/get/bejne/f9xoit2W3pPWeX0.htmlsi=cIDZQc-pPyO2fNBO If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@omidhope7456 10 ай бұрын

I don't agree with your cost of $3000 to $5000 for out of pocket payment for HMO plans. My HMO plan OOP is $499 for year 2023 and it will be reduced to $199 in 2024, in California. Further, I get approval for specialist in less than 48 hours and sometimes immediately. My medication costs are $0 for Tiers 1 and 2. By the way, my HMO plan has 4.5 stars from Medicare. If you are interested, I can provide the name of my plan for your verification.

@rollothecat2010 9 ай бұрын

Your explanations are very clear.

@MedicareSchool 9 ай бұрын

Glad you think so!

@ruthpatke3588 8 ай бұрын

Very helpful info, thanks.

@MedicareSchool 7 ай бұрын

Glad it was helpful!

@cherylmcnutt9905 Жыл бұрын

Really helpful! Thank you. Do you have a video that helps with deciding which company you get for Plan G?

@MedicareSchool Жыл бұрын

kzfaq.info/get/bejne/gNVlf917sdCplGQ.html

@MedicareSchool Жыл бұрын

kzfaq.info/get/bejne/g7CWfrtltMuYaY0.html

@MedicareSchool Жыл бұрын

If have any other questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@Howdy1957 Жыл бұрын

Very informative, easily explained!

@MedicareSchool Жыл бұрын

Thank you for watching, glad it was helpful! If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@Pac157 Жыл бұрын

I had a bad agent! I just learned more than I ever knew! Bad explaining by a rushy agent...And I'm already on the medicare advantage HMO a year and a half and it's a big pain in the rear!!! I totally would have went with the G plan. 😢

@MedicareSchool Жыл бұрын

Sorry to hear that. We can help review your options. Feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc

@hdvroddan 10 ай бұрын

What a great video explaining most of the plans. You didn't go over Plan D. Would you go into detail about it? Thanks

@robertbrost7777 Жыл бұрын

With Plan G vs N, if you were someone who doesn't regularly visit doctors and are fairly healthy, opt for N and save $$ vs the G because of the lesser premium and the fewer co-pay visits? And, don't over 95% of the Doctors accept Medicare without excess fees? I don't count excess fees as " one of the 6." So, it comes down to co-pays vs no co-pays and the premium difference in initial cost for the supplement and, whether you consider yourself to be healthy or not. Thanks

@MedicareSchool Жыл бұрын

The concern would be if something major happened with a person's health such as Cancer. So you have to consider, is the premium difference worth that risk.

@kateb7155 Жыл бұрын

@@MedicareSchool Do cancer doctors typically charge the 15% excess fee? I can see where that could be a catastrophic out of pocket cost. You've used cancer as an example in several of your replies in these comments so I can't help but wonder if cancer doctors and cancer-related care typically involve the 15% excess charge?