Thank you for your advice Stephanie. I recently switched from G to N, and acquired more confidence in doing so, after watching your videos. In my plan N, I would have to pay copays for 21 yearly office visits, before I broke even with the expenses of Plan G. I'm willing to bet I won't reach that number, and maybe no where near it. Other than that issue, would be the copay for the Emergency Room, unless admitted to the hospital. I'll take my chances on that rare event also, and if I can I will use an Urgent Care Facility instead, which would not have a copay with Plan N.
@Lysander-Spooner3 жыл бұрын
Thanks for another great educational video. I switched to Plan N from Plan G and saved $35 a month. Underwriting is not difficult to pass unless you have a serious illness. People are often confused over the "UP TO $20 copay." The $20 is a cap not a flat rate. It only applies to CPT codes for "office visits or evaluation and management visits." Since 99% of doctors accept Medicare Assignment, Medicare pays 80% and you are responsible for 20%. If your office visit has a CPT code for evaluation and management and the Medicare approved amount is under $100 the 20% is your copay. Example, you go to your doctor for some illness. Your doctor bills Medicare for $250 but the Medicare approved amount is $80. Your copay is $80 X .20 = $16.00. So if the Medicare approved amount for an office visit is over $100 your copay is capped at $20. Plan N pays the difference. So in the example Plan N means you pay the $16 to save money off a Plan G premium. Since Plan G would have paid that $16 for you at the cost of increased monlthy premiums. IF you go to the doctor many times a month then Plan N may not save you any money. You need to evaluate this. NOTE: Online, telephone, or telehealth services DO NOT constitute "office visits" for purposes of determining whether a Plan N subscriber is subject to the Part B coinsurance or copayment of up to $20. There is an official CMS document on Plan N copays. Search for "Revised Questions and Answers Regarding Implementation of Medicare Supplement Plan N Copayment, Deductible and Coinsurance" to find it. The document is dated April 22, 2010.
@kennethjohnson38953 жыл бұрын
Strain talk backed by truth, wisdom and knowledge. The truth and proof is in the pudding.
@marleen61522 жыл бұрын
Thank you for this information. Much appreciated.
@RG-hf4et2 жыл бұрын
So the copay will be billed to you, correct? You don't pay your copay up front it sounds like?
@Lysander-Spooner2 жыл бұрын
@@RG-hf4et Correct. You need to get the EOB from Medicare to see what the approved charges are. Then the doctor will bill.
@RG-hf4et2 жыл бұрын
@@Lysander-Spooner Thanks for the reply! Would you know about blood work & medical testing & copays? Do they fall under the "up to $20 copay", too, as long as it is preformed by a Medicare covered facility like colonoscopies, mammograms, CT scan, venous ultrasound, i & d, coronary scan, sleep apnea test, routine blood work? No one talks about actual medical tests just office visits.
@mikescatena57322 жыл бұрын
As a sales person, these are helpful videos for me to learn these plans. I just started with Medicare in June and there is a lot of information to learn.
@sdean4816 Жыл бұрын
After educating myself by watching many of your videos I opted to choose an N plan. The initial cost was around $35 a month less than a G plan and I will happily pay the $20 co-pays or the $50 emergency room co-pay. I am expecting the price increases on the N plan to be less than what people will be paying on the G. All in all I will be saving $400 a month from what I was paying in the open market. To top it off the company I am purchasing my end plan from will pay my gym membership which will save me an additional $30 a month. Thanks for all your great videos.
@ssdd6952 Жыл бұрын
I was on an Advantage plan on my initial enrollment and after only 3 months I realized I didn't like the restrictions and confinement of having to be in-network. So I just switched over to the N plan ($159 mthly), which will start in Jan while I'm still on my initial enrollment. I don't go to the doctor much so I don't mind a co-pay.
@jaysantos536 Жыл бұрын
INSURANCE is designed to mitigate future significant RISK. These folks saying they need to save $300/yr by going with N because "they arent going to the dr. that much" or "only 10% of doctors bill eccess charges" are very shortsighted looking into the future when costs could EASILY increase significantly and LOTS of drs make "excess charges". And when you are in the hospital for ANYTHING do you really start inquiring about which dr charges more or less? Of course not. $300/yr is less than a DOLLAR a day.......its called "peace of mind".
@rosiethomas94972 жыл бұрын
I have plan N and find it works best for me. I do buy dental and eye insurance but the cost are small enough for me to afford. I tried an advantage plan I was not happy and went back to N. I appreciate you for explaining this to us. I am not selling anything but I use UHC.😊
@sirajgonjexpresstv29882 жыл бұрын
Thanks for another great educational video. I recently switched from G to N, and acquired more confidence in doing so, after watching your videos. In my plan N.I'm willing to bet I won't reach that number, and maybe no where near it. Other than that issue, would be the copay for the Emergency Room, unless admitted to the hospital. I'll take my chances on that rare event also, and if I can I will use an Urgent Care Facility instead, which would not have a copay with Plan N. Abt Insurance Agency
@Dan-mw4ue2 жыл бұрын
Your videos are awesome! They have been so informative and helpful to me! You are very concise, straight forward, calm and even talk at a 'normal' speed for us older folks! I have an HRA, so I have to buy through them. However, I will definitely recommend your videos to my friends! Thanks again!🙂
@RG-hf4et2 жыл бұрын
Can you please do a video on how many people are each plan? For example, 10% of all Medicare patients are on Plan F, 40% are on Plan G, 30 % are on Plan N, etc......I'd like to see s graph at where most enrollees are...
@timisaac81212 жыл бұрын
You are truly the most targeted and professional video presentations!! I was just thinking if N could be a value versus G. WAIT!!! Fear and Uncertainty is my entire motivation!!! You bad girl!!! hehehe. aren't these two things the basis of all insurance? I fear medical bankruptcy or losing all my assets bc of an appendicitis when I am 77. My beloved friend went to the hospital 3 times: each time was Hundreds of thousands in costs!! He is just a regular guy: Gall Bladder, fell inquired his head and a non-heart attack heart procedure. Any one of those would have wiped him out even though he is a successful businessman!!
@christinedaley5580 Жыл бұрын
FYI. Plan N has 100% in pt hospital coverage. The up to $20 co pay relates to out pt doctor office visits. The ER co pay of $50 would have been waived in all of these situations. No bankruptcy with plan N. Excellent coverage. Thinking you are not understanding the policy. LOL. In pt hospital coverage same as G. 👍👍👍 Just curious. Friend have any health insurance?? Straight Medicare, supplement, Medicare advantage?? Wipe out? Why?? No wipe out with Medicare and supplement whether F, G, N , FHD or GHD. LOL.
@dtom11452 жыл бұрын
One of the most important aspects of Plan G that will negatively impact premiums is the guarantee issue. More people with serious health problems can go into G, driving the cost of premiums up as insurance companies try to protect their profit margins. Guarantee issue is not available in Plan N so premium increases are more reasonable and predictable.
@ppumpkin32822 жыл бұрын
I've had plan G for five years with no rate increases
@mwang6882 жыл бұрын
@@ppumpkin3282 which company you use?
@cisco1dog Жыл бұрын
N is guarantee issue during initial enrollment
@chuckg60398 ай бұрын
All are during that period @@cisco1dog
@hannahwojciechowski92852 жыл бұрын
Stephanie, thank you for the information regarding plan N. I love watching your videos. So informative!
@wesgoforth56442 жыл бұрын
Thank you for the great info, Stephanie. Your presentation is impressive and your performance is flawless.
@mrth17022 жыл бұрын
I am thrilled with my new '22 plan N. I go to the Dr as seldom as possible.
@teddysmum89003 жыл бұрын
We are happy with Plan G for several reasons and think the carrier you choose is probably just as important as future predictions about MACRA and GI. If we do see the inordinate increases, then we may change. If we are too sick to qualify by then, we will probably be very happy to have Plan G and no copays. But some of the hype by other YT brokers could just possibly be a tactic to sell more policies. Just my opinion.
@AbtInsuranceAgency3 жыл бұрын
I completely agree. That’s why I make a point to say that you shouldn’t base your decision on fear, just facts. Rates will go up on both G and N, and the insurance company you choose is very important!
@sdean4816 Жыл бұрын
Stephanie, Your videos are very informative and have helped me greatly. Thanks for posting all this information. BTW..you have a pretty smile !
@Stevedavidoff3 жыл бұрын
You are the only person to make sense of medicare
@AbtInsuranceAgency3 жыл бұрын
Well, that is quite the compliment. Thank you! 🙂
@deborahschumann82862 жыл бұрын
The trouble is that way too often a referral is to a medical provider that does bill excess charges. My example was, I was referred to a cardiologist …I checked him out and knew he would not bill excessive charges….but, the heart monitor I got was monitored by an organization I knew nothing about. The bill was for $1500 just from them. I cannot see how I could have checked them out a head of time….and even if I could, would I say to the cardiologist “no, you have to change where you get this service from”.
@AbtInsuranceAgency2 жыл бұрын
That is a very important point to consider!
@Chinlau1242 жыл бұрын
Are you saying the excess charge was $1500 that you had ypto pay under plan N
@RG-hf4et2 жыл бұрын
The cardiologist office should point this out ahead of time or give you company options. My dad just had a 10 day heart monitor and it was given to us in the office. He has plan F so an excess charge or copay wasn't even an issue. But that is the beauty of plan G - you can't get F anymore- no worries, no hassles!
@shinola228 Жыл бұрын
That's very interesting. I guess the thing to do is get a phone number for the monitoring company and get something in writing from them if they say you won't be billed. Thank you for posting this .
@knowsenough2bdangerous Жыл бұрын
Re: Excess Charges. Although a doctor that doesn't accept assignment for a service can charge "15% more" than the Medicare "approved amount", isn't it the case that the Medicare "approved amount" when not accepting assignment is only 95% of the "approved amount" for a doctor that _does_ accept assignment for that service -- to some extent effectively reducing the "excess charge" that the patient must pay to 9.25% of what a participating provider could have charged Medicare for. Re: Copays on N. Isn't the copay the _minimum_ of $20 or 20% of the Medicare approved amount (i.e., the part not paid by Medicare even without a supplemental plan)? While at "chargemaster rates", it would be pretty rare for the $20 not to be the result, given that Medicare fee schedules are typically well below "chargemaster rates", the lower 20% limit may apply sometimes.
@rs4425 Жыл бұрын
Plan N works for me. Good info. (microphone turned on at 3:50:)
@ronwink95732 жыл бұрын
I watch this video and it help me to decide that this is what I would go with U and your staff were Great to work with thanks I will recommend you .your the Best
@AbtInsuranceAgency2 жыл бұрын
Thank you Ron!
@timstagray36803 жыл бұрын
Thank you for your videos. They are always the best!
@AbtInsuranceAgency3 жыл бұрын
Wow, thank you for that compliment!
@mikedavis77332 жыл бұрын
Love Your Presentations! I need to review my Humana Plan The monthly premiums are getting higher when I only use for a annual Test and a 6 month visit
@AbtInsuranceAgency2 жыл бұрын
Mike, thanks for watching! Feel free to call us any times, we’d be happy to help. 888-465-9728
@mikeberger16882 жыл бұрын
You are so thorough and easy to follow. --- rare on YT.
@Virrut2 жыл бұрын
Thank you for your videos. Your explanations are very easy to understand!
@user-tk7xg8cd1c Жыл бұрын
Excellent video Stephanie!!
@helenkwan65193 жыл бұрын
I am so glad to have discovered your video in You Tube. All your presentations are so clear and easy to understand. Thank you so much. Since the enrollment period will start again soon, will you be presenting some videos regarding the medical supplemental insurance plans? I am on plan N now, if I want to switch to Plan G for 2022, do I need to go through medical underwriting? Thanks again for the informative and educational videos . I will certainly keep watching your upcoming video, if any and will also introduce to my friends.
@AbtInsuranceAgency3 жыл бұрын
Thanks for watching! I’ll have some 2022 videos out soon 🙂 In most states you will need to pass through medical underwriting to switch from Plan N to Plan G, and you can do it year -round. Call us, we’d be happy to help. 888-465-9728
@dariusmelquiadez20502 жыл бұрын
Very clear explanation and good honest advice. Thanks
@ross2343 Жыл бұрын
great info..but please know it's 'excess' charges not 'access' charges for clarification
@timisaac81212 жыл бұрын
in this video, we consider the hypothetical of Excess Charges from being unconscious and rushed to care. Surely there is an appeal process or the like? Or simply negotiate it like anything else. Medical bills in collections typically settle out at 10% (though I try for less!! - 5%? Too much!! haha) I'm in CA- It appears as long as I can stay conscious, the savings of the N plan, compared to G, might work for me.
@mayweather66212 жыл бұрын
Why does it costs so much in California???? What's going on with Anthem that they are not authorizing standard procedures and are being looked at Like CIGNA was. CIGNA and eventually sanctioned by closed by the federal government.. How do Southern Californian's save money. I can't afford $500 extra a month. Currently have Medi-Medi. Need a different secondary.
@joycewright53862 жыл бұрын
I have plan N and every time I ask if a doctor accepts Medicare assignment I am told yes. Then I always get balanced billed for excess charges. Every single doctor I have ever been to!!
@AbtInsuranceAgency2 жыл бұрын
Wow, that seems like a lot! I would double check the claims to be sure, and also check Medicare.gov to see if they are listed as a Medicare participating provider.
@RG-hf4et2 жыл бұрын
Maybe she means her Plan N copay & not "excess charges"?
@conniearias97632 жыл бұрын
I heard that in the State of Nevada, one already on Medicare could make a change but only in your birthday month.
@AbtInsuranceAgency2 жыл бұрын
Yes in NV you now have a birthday rule to make a change to a same or lesser benefit Medigap plan every year around your birth month.
@ronaldshannon99602 жыл бұрын
I'm 68 years old. I'm completely, and extremely confused about all this. I don't know what to do.
@AbtInsuranceAgency2 жыл бұрын
Please call us at 888-465-9728! 🙂
@larrydunn46262 жыл бұрын
Hi. Writing from Orange County, CA, and I do not use tobacco products. Just wanted to point out that this week I was quoted $116 for Plan G, $130 for Plan G Extra, and $143 for Plan N, all for a 1/1/22 start date. How does this even make sense? It doesn't line up with your vid, or even several others I've watched. All quoted from Blue Shield, California. I believe these prices include a $25 new to Medicare discount, so next year it would be $141 for the same policy. Plan N doesn't appear to have a "New to Medicare" first year discount.
@AbtInsuranceAgency2 жыл бұрын
That is one example of how CA is different. I do have a video that reviews CA Medigap policies specifically, be sure to check that out! Plan G is eligible for a $25/month welcome to Medicare discount with Blue Shield CA while Plan N is not, which makes the pricing seem off.
@papabear25152 жыл бұрын
If I have Plan N - What happens if someone sees a doctor who doesn’t participate/accept Medicare and also therefore, doesn’t accept Medicare assignment? If that doctor charges $500 for an office visit, would I be responsible for the entire $500 or 15% of what Medicare “allows/assignment” (ie, $75)? Thank you and thank you for informative, well-explained videos?
@AbtInsuranceAgency2 жыл бұрын
If you go to a doctor who doesn’t accept Medicare at all, you may be responsible for the full amount for that visit, or the full $500 in your example.
@papabear25152 жыл бұрын
Thank you so much for your prompt and informative reply! Much appreciated. I do have more questions about Plan N - is the $20 co pay likely to increase each year? If so, is there a cap on the amount of increase? And finally - if I have Plan N starting in 2022 and then the $20 co pay increases to $30 in 2023, because I got Plan N in 2022 when the co pay was only $20, would I have to pay a $30 co pay or a $20 copay (being “grandfathered in”)? Again, many thanks! You do an amazing job with all your videos!
@AbtInsuranceAgency2 жыл бұрын
@@papabear2515 the $20 copay on Plan N was standardized in 2010 and hasn’t changed. Medigap plans are guaranteed renewable for life, so if the Plan N benefits ever changed you would theoretically be grandfathered into the benefits that are established at the time you enrolled in the Plan. I hope this helps!
@papabear25152 жыл бұрын
@@AbtInsuranceAgency thank you again! You are such an amazing resource!
@AUSTRIATUSTINCA Жыл бұрын
I’m turning 65 and thanks for your explanation about Plan N which is perfect for my current health condition. My question is can I switch to plan G later as I may see a doctor more in a year? Thanks.
@AbtInsuranceAgency11 ай бұрын
Yes, but usually medical underwriting will apply so you may or may not be able to change depending on your health.
@mariakumar50032 жыл бұрын
Thanks a lot for your sincere advice and awareness about Medicare and medigap plans. I hear your vedios and even forward to my friends. My question today is ,can I have an yearly physical done with Medicare and medigap plan N? I became Medicare eligible only from June 2021. I live in Philadelphia
@AbtInsuranceAgency2 жыл бұрын
Yes, Medicare and Medigap Plan N covers an annual Medicare wellness visit each year.
@Chinlau1242 жыл бұрын
@@AbtInsuranceAgency Medicare wellness check different from full physical as we know it. That’s the question.
@RG-hf4et2 жыл бұрын
Is there a copay on plan N for the annual Medicare wellness visit?
@AbtInsuranceAgency2 жыл бұрын
@@RG-hf4et no that is 100% covered by Medicare!
@RG-hf4et2 жыл бұрын
@@AbtInsuranceAgency Thank you!
@chunglui49072 жыл бұрын
Thank you needs in April 22
@carlosramirez4724 Жыл бұрын
I had supplementary, for drs it is customary to charge extra. They say they take medicare but never med assignment.
@AbtInsuranceAgency Жыл бұрын
That's rare but can happen - we cover Medicare excess charges here -kzfaq.info/get/bejne/d8ljppBysZ-XhIU.html
@dougzirkle59512 жыл бұрын
Thanks again, Stephanie!
@patriciamathieu41893 жыл бұрын
Thank you for your such an informative video!
@AbtInsuranceAgency3 жыл бұрын
Thank you for watching!
@Raja_Hasnat2 жыл бұрын
@@AbtInsuranceAgency i want to work with you directly. I like your planes so i want to helpout these peoples
@motnoslo3 жыл бұрын
Any thoughts about Plan G HD vs Plan N future pricing? Common opinion is that Plan G pricing could outpace Plan N, since the insured shares more of the cost in Plan N, and the pool of Plan G insured could be cost more overall. Plan G HD also shares more of the cost with the insured too, so will this keep Plan G HD cheaper in the long-term vs Plan N? I know this is anyone's guess, just asking.
@AbtInsuranceAgency2 жыл бұрын
High deductible plans definitely tend to have low rate increases overall, due to paying out fewer overall claims.
@Katie-sx5kf2 жыл бұрын
Great information! My question about Plan N (and applies to other options as well) is: when Plan N (after deductible, copayments, etc) covers hospitalization expenses "for up to a year", does that mean 365 days total lifetime or up to 365 days per calendar year? Thanks!
@AbtInsuranceAgency2 жыл бұрын
Plan N covers an additional 365 hospital days after you’ve used your Medicare Part A lifetime reserve days. I hope this helps!
@jaysantos536 Жыл бұрын
INSURANCE is designed to mitigate future significant RISK. These folks saying they need to save $300/yr by going with N because "they arent going to the dr. that much" or "only 10% of doctors bill eccess charges" are very shortsighted looking into the future when costs could EASILY increase significantly and LOTS of drs make "excess charges". And when you are in the hospital for ANYTHING do you really start inquiring about which dr charges more or less? Of course not. $300/yr is less than a DOLLAR a day.......its called "peace of mind".
@bebopkirby2 жыл бұрын
Does anyone know where the love of God goes when insurance agents turn the minutes into hours?
@Chinlau1242 жыл бұрын
What are the medical qualification list of question asked when switch plans
@nicholasvanorton78402 жыл бұрын
Clear and concise👍👍
@ChristopherRuhmins3 жыл бұрын
It’s my understanding that most doctors do not charge excess. Medicare has two contract doctors can choose from. The excess contract only nets them about 5% over the standard contract. Ultimately, it’s not worth losing customers over 5%.
@newbirth353 жыл бұрын
About 1 in 10 doctors charge excess charges.
@brocklanders69692 жыл бұрын
@@newbirth35 I have read 96% accept assignment, which would be more like 1 in 20. Do you have a source for this data? Would also be curious if they are located mostly in certain states.
@AbtInsuranceAgency2 жыл бұрын
Most recent data suggests that at least 96% of Medicare providers accept Medicare assignment.
@andreawelsh91782 жыл бұрын
@@brocklanders6969 o
@lilacook9212 жыл бұрын
What kind of dental coverage ? Which plan is best for dental coverage for implants and crowns ❤️ and ✝️🛐 s
@RG-hf4et2 жыл бұрын
Who are your favorite Medigap companies? And what is your opinion in AARP United Health Care?
@lindapacheco66902 жыл бұрын
I have Blue Cross and Blue Shield sapphire is that plan N
@Moyodsreds Жыл бұрын
If plan G is only 26.00 to 35.00 more then plan N , wouldn’t one co pay from plan N make plan G the better plan ?
@AbtInsuranceAgency Жыл бұрын
The price difference between Plan N and Plan G can be more or less than that amount, and for people who rarely go to the doctor the savings on a Plan N can be significant.
@The_Temple2 жыл бұрын
Could you do a video for people eligible for Medicare via being on SSDI (starting after the two year waiting period)? As I understand it, situation can be complicated as far as availability & cost of Medigap plans.
@AbtInsuranceAgency2 жыл бұрын
We cover that here - kzfaq.info/get/bejne/qNmVZbR-17LPYqM.html
@woodspirit982 жыл бұрын
Can you go over all of the plans A thru Z?
@AbtInsuranceAgency2 жыл бұрын
We cover most of the popular plans throughout our videos, but covering each plan A-N individually is a great idea for future videos too!
@timb69852 жыл бұрын
With Plan G being guaranteed issue, does that mean you can start off electing Plan N and if you find yourself becoming unhealthy and frequently going to doctors (with $20 copays), switch over at a later date to a Plan G WITHOUT underwriting? (If so, I can't see why anyone wouldn't start with Plan N if you can always make the switchover later to Plan G).
@AbtInsuranceAgency2 жыл бұрын
Great question. The answer is NO. Plan G is only guaranteed issue if you fall into certain very specific life events, like losing employer group coverage past age 65.
@timb69852 жыл бұрын
@@AbtInsuranceAgency I thought that was too good to be true (and perhaps not so great if everyone switched over to G only after their expenses started to get out of hand). I look forward to getting quotes/info from you for plans in my area (I filled out request on your site). Thanks for the extremely informative videos.
@kitsiewr Жыл бұрын
I am told that IS possible if you live in one of the four states that forbid underwriting. CT is one of them, I hope!
@bluesman3542 жыл бұрын
Hi Stephanie. I'm 64 yrs and 4 months of age. No health issues at all. Very healthy man. I want to retire early. Maybe age 65 and 6 months. My bday is July 3rd 1957. I'm so confused by it all. Plan N seems like a good option for me as a healthy person. What do I need to do to start Medicare and add a medigap plan?
@AbtInsuranceAgency2 жыл бұрын
Give us a call at 888-465-9728 and we would be happy to help!
@roberts11592 жыл бұрын
Just to add a few things. If you are already receiving Social Security then you are automatically enrolled in Medicare. Otherwise need to enroll in Medicare three months prior to turning 65 or three months after that. If you go past that period you will pay an extra premium for your part B premium for life. So don’t get in that situation. Plan N is good in my opinion if you are healthy and go to doctor minimally throughout the year. But up to $20 co pay for visits. Premiums are generally lower like she mentioned. Give her a call if you have not already. She will guide you in the right direction. I have used Stephanie in the past and she is very knowledgeable about all this.
@AbtInsuranceAgency2 жыл бұрын
@@roberts1159 Thank you Robert!
@sjay1492 жыл бұрын
Thank you for your clear teachings. Once you mentioned a plan D penalty of 1% it reminded me of the 10% penalty, for each 12 months without Plan B. Are there similar penalties for plans N & G? Because of your previous videos, I getting B & D, but want to wait on N...if there’s no penalty.
@AbtInsuranceAgency2 жыл бұрын
No Medigap penalty, but you could be denied coverage due to medical underwriting if you don’t apply when you are initially new to Medicare or new to Medicare Part B.
@silver60542 жыл бұрын
The B and D with these penalties are parts of medicare (Part B and Part D rather than Plan B and Plan D!) As Abt says, the issue with Medigap is simply that you can be medically denied coverage if you don't apply in the usual time window
@patrickmanley4943 Жыл бұрын
Thinking about getting an N plan but I’m a little concerned about this company’s population size, annual rate increases and the lack of a track record for the insurance company that I am interested in. The premium is starting at a reasonable $88/month but I’m concerned about big increases over the next several years. Is this a “Teaser” rate to get people to sign up with them??? It has only started dealing with Medicare for about one year. It has an excellent A++ rating, and solid backing but no history to examine. In your estimation what are the most important factors to consider when deciding on a particular insurance company? Your thoughts please.
@AbtInsuranceAgency Жыл бұрын
I know what carrier you are referring to and we have some industry information that you may want to consider before making this purchase. Please contact my office at 888-465-9728, we would be happy to advise.
@djbobek12 жыл бұрын
Is Plan N the best plan for someone who is generally healthy? Up until now (almost age 65) I've had no major medical issues and use no medications. Also, regarding Part D for someone who isn't currently on any drugs, do you suggest simply picking the least expensive Part D choice available?
@AbtInsuranceAgency2 жыл бұрын
Plan N is a great choice for many, especially those with few office visits annually. And yes, if you take no meds then I recommend the lowest cost Part D plan. You can change your drug plan annually as your needs change. Let me know if you have any other questions! 888-465-9728
@Lazer50512 жыл бұрын
N G F YOu taught me G was for copays for visits don't get N and F and sign up period work i am retiring at 66 and 4mo. How do find what SS says that day is so thats 12/24/21 how do tell sign up periods? how ccould this get any more complicated. i a still working
@AbtInsuranceAgency2 жыл бұрын
Please feel free to call us with questions! 888-465-9738
@geofgelinaclu78502 жыл бұрын
Thank you for explaining plan N. We have been seeing many doctors and chiropractors who now requires your payment up front and will give you a receipt to submit in yourself. It that legal and how would plan N reimburse you from that type of thing?
@AbtInsuranceAgency2 жыл бұрын
That’s a tricky one, it depends on the agreement you’ve worked out with the doctor and how they bull Medicare. Essentially if they don’t bull Medicare and make you pay up front, then you would have to file a claim with Medicare, and then Medicare and your Medigap plan would reimburse you. This seems very rare.
@RG-hf4et2 жыл бұрын
Why wouldn't it be legal? The office is giving you the paperwork to mail in with a full description of the date, codes, etc. ......Offices are getting tired of waiting to get paid. This is a major problem in any office that deals with ANY kind of insurance. Some times it takes 2-3-4 months to get paid & several calls to see what happened to the payment. Any insurance a patient has is an agreement between the patient & the insurance company. Patients forget that. Practioners are the middle man. Yet, Practioners get caught up in the insurance companies games of dragging their feet & making mistakes or losing claims. Kudos to these Practioners who refuse to get involved with the insurance companies games. I deal with insurance every day and see the nonsense insurance companies play to stall paying the practioner.
@garygabauer31572 жыл бұрын
@@RG-hf4et Well maybe because some people cannot afford to pay the entire cost up font and wait for reimbursement. Then they are being denied care from a federal guaranteed program (not private insurance) that they paid into for years. You must be one of those Republicans that don't give a crap about low income people.
@joyfulliving51572 жыл бұрын
Is Aetna plan g or n a good company. Is their customer service good. Thank you !
@AbtInsuranceAgency2 жыл бұрын
We would be happy to analyze the different carrier options in your area with you! Please call us at 888-465-9728
@pimpompoom937262 жыл бұрын
This Supplement plan is for Part A/B, I get that. But what about Medicare Part D? Is there a supplement plan for that, or is Part D complete? We are completely new to Medicare and confused by all the options. Thanks.
@AbtInsuranceAgency2 жыл бұрын
Medicare part D is separate from your Medicare Supplement/Medigap coverage. Feel free to call us anytime, we would be happy to assist! (888)465-9728
@tubited2 жыл бұрын
Well done. Thank you.
@richardwarner53192 жыл бұрын
Is Medicare supplement plan n plus wellness worth it and can you switch from plan N plus wellness back to just plan N without underwriting
@AbtInsuranceAgency2 жыл бұрын
If you are referring to AARP/United Healthcare Medigap plans, then the wellness benefit is going to be "Renew Active" which includes a gym membership. Typically to switch to the Plan N without the wellness benefit, you will have to pass through underwriting. We would be happy to help explain the pros and cons! (888) 465-9728
@conniearias97632 жыл бұрын
Can you change plans and companies? I.E. Plan F at AARP to plan N with another MediGap company?
@AbtInsuranceAgency2 жыл бұрын
Yes you can change at any time of the year, pending medical underwriting.
@chris2fur4012 жыл бұрын
I know AEP is for advantage plans. My question is, during AEP, is there less health questions on medigap policies? Or are they underwritten the exact same way they would be any other time of the year except their one time guaranteed issue frame?
@AbtInsuranceAgency2 жыл бұрын
Great question. Medigap plans are medically underwritten year-round (whenever you are more than 6 months from your Part B effective date), and the health questions are the same whether it is the fall AEP or not. AEP is not related to Medicare Supplements.
@chris2fur4012 жыл бұрын
@@AbtInsuranceAgency thank you!
@chris2fur4012 жыл бұрын
@@AbtInsuranceAgency for some reason I thought medigap health questions wasn’t the same during AEP
@michaelroberts26742 жыл бұрын
What is plan in in the state of MN?
@joyfulliving51572 жыл бұрын
If you sign up for say a N Plan, do you have the opportunity to change to say a G high Deductible or other Medigap?
@AbtInsuranceAgency2 жыл бұрын
Yes, you can change your plan at anytime, but it most cases it will be subject to medical underwriting. You will have to answer health questions to qualify medically to make the change. I hope this helps!
@joyfulliving51572 жыл бұрын
@@AbtInsuranceAgency thanks so much for your prompt reply!
@karlarussell74312 жыл бұрын
How do I see if I can get plan G or N I live in Michigan in Shiawassee cty. Antrim Twsp. I am 71 I had Plan F at first but dropped because of price increases thru AARP United Insurance. Can you help me?
@AbtInsuranceAgency2 жыл бұрын
Please call us at 888-465-9728
@kennethgray5452 жыл бұрын
Why did New York have ** regarding excess charges? Also, are New York Medigap plans the most expensive in the counry?
@AbtInsuranceAgency2 жыл бұрын
NY is an expensive Medigap state due to guaranteed issue laws that are state specific. In NY excess charges are not completely illegal, but are limited to a smaller percentage.
@kohwaian2 жыл бұрын
Does Medicare supplemental plan n covered in New Jersey?
@AbtInsuranceAgency2 жыл бұрын
Yes! Give us a call we would be happy to help. 888-465-9728.
@crazy5cool3822 жыл бұрын
Are monthly infusions covered by Plan B or Plan D? In another words, are infusions considered prescription or medical care?
@AbtInsuranceAgency2 жыл бұрын
Typically they are covered by Part B
@danacarbone94052 жыл бұрын
Thank you once again for the information I live in Oklahoma and I had quite a few things in the last year and a half I have plan N ,. I had a problem with nosebleeds I had colonoscopy and other things and A dermatologist visit and every single doctor and every single nurse practitioner that saw me which combined total was probably about 20 visits, 20 times I had 20 bills for the office visits between $12.00and $20.00 Every single doctor and nurse practitioner charged me that I saw in the last year and a half for an office visit charge me for a copay is that normal? Thanks for getting back to me
@AbtInsuranceAgency2 жыл бұрын
Yes, it is normal to expect up to a $20 copay for every office visit. It all depends on how the provider is coding the visit.
@RG-hf4et2 жыл бұрын
Of course, it's normal. That is the whole premise of Part N - you have a copay for every visit.
@rvsam30002 жыл бұрын
Nice job 👍🏻
@garyrhode3755 Жыл бұрын
Is it possible to switch from Plan K or L to Plan N or G ?
@AbtInsuranceAgency Жыл бұрын
Yes. But medical underwriting is typically required.
@ronholtz4882 Жыл бұрын
Stephanie, your videos are very informative andI have some questions pertaining to medicare and VA Healthcare. I am a veteran and receive my care through the VA. I know I have to sign up for Part A (next month) and I have been advised to sign up for Part B in the event that things change at the government level and VA Healthcare gets cut back. My vision care is handled through the VA and my basic healthcare is received there too. I do not receive dental or hearing care as I am in Group 8, non combat status. Would you recommend Part G over N for me or N over G? I know there is a High Deductible N that would save me money but it has a $2700 yearly deductible. I only see my primary care doctor twice a year and I see one specialist. They are $15 and $50 respectively and my prescriptions are through the VA also. So I will not need Part D as I get a better deal now. So, my question is, would I benefit from taking the High Deductible G or the regular G or N? Your help would be greatly appreciated as I am kind of lost in the maze. Thank you.
@AbtInsuranceAgency Жыл бұрын
Please reach out to us directly for more information about your situation! 888-465-9728
@dwhetsel3 жыл бұрын
Is there a site where we can see the sustainability rates of insurance companies in relation to their history of raising plan prices?
@AbtInsuranceAgency3 жыл бұрын
There is not a consumer site like this no, but an informed agent can help provide this information. Feel free to reach out to us anytime - (888) 465-9728
@chuckg60392 жыл бұрын
@@AbtInsuranceAgency Why not a Consumer site?
@AbtInsuranceAgency2 жыл бұрын
@@chuckg6039 you can find some information on Medicare.gov regarding available Medigap plans and rates but unfortunately it’s not very comprehensive.
@theresa94010 Жыл бұрын
I was recently diagnosed for breast cancer, early stage, had mastectomy, no chemo nor radiation required, on oral estrogen blocker one pill a day for five years. Will I be disqualified for Plan N because of this "pre-existing" condition?
@AbtInsuranceAgency Жыл бұрын
If you are no longer new to Part B and this surgery was in the last 2 years, then likely yes. However it depends on your state, as certain states have different rules.
@irmavazquez17102 жыл бұрын
Hi, what about plan D is a good choice vs plan N? Thanks.
@AbtInsuranceAgency2 жыл бұрын
It depends on your area! Give us a call at 888-475-9728, we would be happy to help.
@robertconrad752810 ай бұрын
Do I need part D with N and G?
@AbtInsuranceAgency10 ай бұрын
Yes, if you want prescription coverage.
@lorigilmore5521 Жыл бұрын
Hi Stephanie. Are you licensed in Missouri?
@AbtInsuranceAgency Жыл бұрын
Yes! We would love to help. 888-465-9728.
@donnelson31842 жыл бұрын
Do I need to get all my letter plans right away, like "D", or can I wait? Also, if I get the N plan, can I then switch or drop it at annual enrollment? Thanks!
@AbtInsuranceAgency2 жыл бұрын
When you Initially apply for Medicare, you are applying for Parts A and B. You have up to 6 months after your Part B effective date to add a Medigap plan without medical underwriting and you have three months after your 65th birth month to add a part D plan without penalty (unless you qualify for a special enrollment period). As for Plan N, there is only one “open enrollment” period for Medigap plans and that is the period of up to 6 months after your Part B effective date. After that window closes, you can change your Plan N at any time during the year, but it will be subject to medical underwriting. I hope this helps!
@scotth61682 жыл бұрын
You stated plan N has no guaranteed issue rights. Does that include people in their initial enrollment period when turning 65?
@AbtInsuranceAgency2 жыл бұрын
People commonly get confused by the discussion of "guaranteed issue rights", and rightfully so, it's a bit of a tricky concept. When you turn 65, or first enroll in Part B, you can get ANY Medigap plan (including Plan N, because you are within your Medigap Open Enrollment Window. No medical underwriting. Guaranteed Issue Rights only apply to certain people who are experiencing certain life events....most people will never have to worry about this. But for those who do, Plan N is not a "Guaranteed Issue" option. Please call us directly if you have other questions! 888-465-9728.
@bobbiejohatch4245 Жыл бұрын
Does this new plan G cover sleep test in a facility and supplies. I have plan F that plan seems to cover everything but you don’t mention that plan. Can you tell me why.
@AbtInsuranceAgency Жыл бұрын
Plan G covers everything that Medicare parts A and B covers. Plan G is almost identical to Plan F, in that it covers everything Plan F covers except for the Part B deductible. Plan F is no longer available to newly eligible Medicare beneficiaries as of 1/1/2020.
@bobbiejohatch4245 Жыл бұрын
@@AbtInsuranceAgency So I should stay with plan F??? It seems to cover everything.
@juansolis81212 жыл бұрын
I’m be retiring March 14, 2022 when I turn 65, I’m need your help
@AbtInsuranceAgency2 жыл бұрын
We would be happy to assist! Please call 888-465-9728
@Yodie82 Жыл бұрын
Can I switch to G to N anytime or only open enrollment? I’m in Utah
@AbtInsuranceAgency Жыл бұрын
Once you are more than 6 months past your Part B effective date, you have to pass through medical underwriting to switch from G to N. But you can apply (with underwriting) at ANY time of the year.
@dianebarron83622 жыл бұрын
I have plan N and regular Medicare and my agent said I can't do G because we signed up 3 months before 2020 is that correct ? Is there a date issue here ?
@AbtInsuranceAgency2 жыл бұрын
That’s completely wrong. Please call us for a second opinion- 888-465-9728
@lucyaspiras9762 жыл бұрын
To switch from Plan G to Plan N would I need underwriting?
@lucyaspiras9762 жыл бұрын
She answered my question.
@harleymartin45553 жыл бұрын
I thought the part b deductible is 148.50?
@AbtInsuranceAgency3 жыл бұрын
That is the Part B premium, which you pay monthly, in 2021 ($148.50). The deductible, which is the amount you pay 1st in medical bills before your coverage kicks in, is $203 for 2021. I hope this helps!
@RMRM12342 жыл бұрын
I wonder what percentage of Doctors in this country take Medicare---seems that many doctors in my area do not like or accept Medicare. They prefer Medicare part C plans
@g09892 жыл бұрын
Seems like the opposite where I live. Most doctors take traditional Medicare, but may only take some Advantage plans, or maybe none at all.
@AbtInsuranceAgency2 жыл бұрын
Over 9 out of 10 doctors accept original Medicare.
@RG-hf4et2 жыл бұрын
@@AbtInsuranceAgency But how many accept Medicare Advantage? I get the impression md's like & PREFER traditional Medicare over Medicare Advantage.... Med.Advantage is more work for them - written referrals for everything !!
@brentk95203 жыл бұрын
are you licensed in florida
@AbtInsuranceAgency3 жыл бұрын
Yes! We’d be happy to help. Call us at 888-465-9728
@richardnowacki28692 жыл бұрын
Plan N. If I go into the hospital and they assign me a Dr and the Dr is not acceptable payment in full. If the Dr in turn charges me for additional charges am I responsible for them? I really can’t prevent who they send in to look at me. Additionally plan N can a hospital charge me additional fees and would I be responsible?
@AbtInsuranceAgency2 жыл бұрын
Excess charges apply to part B covered services only, not Part A (inpatient hospital services). And theoretically yes, any doctor or provider could bill you excess charges if they are not a Medicare Participating Provider who accepts Medicare Assignment, even if you haven’t had the chance to check that first. I hope this helps!
@christopherfogle61472 жыл бұрын
what dental plan do you recommend to add to Medicare?
@juliebutler82412 жыл бұрын
How much is the plan N?
@dstarkspp Жыл бұрын
200
@KenMeagher2 жыл бұрын
Are you and your team Fiduciaries?
@AbtInsuranceAgency2 жыл бұрын
While technical fiduciary laws vary at the state level, a fiduciary responsibility is to act in the best interest of a client, putting their needs and financial best interest above our own, and acting in good faith and with ethical responsibility to our clients. So yes, we take this responsibility seriously and always put our clients financial best interest at the forefront of what we do.
@Raja_Hasnat2 жыл бұрын
Mam i want to work with you directly. Is this possible ?
@AbtInsuranceAgency2 жыл бұрын
Please call us at 888-465-9728
@craigfugit9972 жыл бұрын
Can you switch from Plan G to Plan N or vice-versa?
@AbtInsuranceAgency2 жыл бұрын
Yes, but in most states you will have to pass through medical underwriting to do so, so your ability to switch will depend on your health.
@jeannewitwer5072 Жыл бұрын
I am 88 and want to know if you can sell me a supp. Plan?