The Differences are Bigger Than You Think | Medicare Advantage vs Supplement

Рет қаралды 275,706

Күн бұрын

Looking for an unbiased, comprehensive review of Medicare Advantage and Supplement plans? Look no further! In this video, we'll discuss the pros and cons of each type of plan, and help you make an informed decision about which is best for you.
Medicare Advantage and Supplement plans are a big part of the healthcare system in the United States, and it can be difficult to understand the different options available to you. In this video, we'll provide you with all the information you need to make an informed decision about Medicare Advantage and Supplement plans. We hope this video will help you with your Medicare decisions.
Need help? Email me!
Erik@TheRetirementNerds.com
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This video is NOT sponsored.
The Retirement Nerds is the no-cost educational platform and serves to offer information around Medicare, Social Security, Financial Planning, and Estate Planning.
⏰ CHAPTERS ⏰
0:00 Disclaimer
0:19 Key Assumptions
2:10 Let's Get Ready to Rumble!
2:17 Monthly Premiums
5:54 Other Included Coverages
7:04 Perks
8:01 Cost Sharing
11:46 Networks
17:31 Administration
27:10 Final Tally
27:21 Who Leans Advantage?
28:41 Who Leans Supplement?
29:31 Exceptions
30:13 Agent Incentives
31:35 Animals
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#medicare #medicareadvantage #90daysfromretirement
Federal Disclaimer:
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Пікірлер: 3 800

@JohnEldon-wy3bv 3 ай бұрын

Regular Medicare plus a Plan G supplement was the absolutely obvious choice to me, because I want to choose my practitioner, treatment, facility, etc., rather than being tied down to one particular group.

@donaldlembo1263 Ай бұрын

I was hospitalized with a heart issue. I spent a week in hospital I had an advantage plan. I live 1 1/2 blocks from a hospital but they didn’t participate in my plan (1) I went to a hospital 1/2 hour away that did. I was sent to a rehab facility after the week in the hospital. 2 days after arrival I was informed I contracted COVID. I was isolated for 2more weeks total of three weeks on my back in bed. When rehab began I couldn’t even stand. After 1week of intense pain and effort I was able to stand. I then received a call stating that my insurance had ended coverage and that I would be sent home I would require home care at my expense. I appealed and was granted a few more days. It was long enough to switch to plan g just in time. My cat was my inspiration. Everything is fine, I am walking and able to function at home now.

@cliffdariff74 21 күн бұрын

Good luck!

@user-xt2hi8zb8e 2 ай бұрын

As a person who got the unexpected news of cancer , I am thankful for having chosen a supplemental plan. My cats also appreciate the fact I didn’’t have to cut into their food budget!

@Theretirementnerds 2 ай бұрын

Sorry about the news. I hope you are well! Thank you for spending time with us!

@laxnative4622 25 күн бұрын

I was diagnosed with cancer in 2022 at age 64, 1 year before qualifying for Medicare at age 65. Made the decision to purchase a Part G supplemental plan in 2023 (at which time cancer in remission) easy. Max. coverage and can see any doctor that accepts Medicare. Premiums are affordable, though they'll increase yearly both with inflation and age adjustments. But I already have a chart of the age adjustments, so that helps in planning. I did also have to buy a Part D drug plan, but wasn't a big deal. I'm paying less than $20/mo. I pay more for pet food.

@Theretirementnerds 25 күн бұрын

@laxnative4622 thank you for sharing your experience!

@richbev91 25 күн бұрын

As a 63 yo hep cat, I'm watching as many retirement videos as I can, and must say this is probably the most useful, concise, and apparently unbiased video I've seen to date. Describing who would benefit the most from each plan, is the perfect way to help people make an informed decision. Good job!

@Theretirementnerds 25 күн бұрын

Thank you so much for watching and saying this! Means a lot! And way to stick through to the end :)

@cgilleybsw 10 күн бұрын

with you, we're so screwed.

@brentgindelberger8851 6 ай бұрын

I won't be 65 until June 2024, but have been doing a lot of research about this topic. I have watched several videos by others that explained the difference between the 2 ways to go, but had yet to find one that I felt comfortable passing on to my other 64 year old friends. My search has ended. Yours is the most even-handed, non-emotional one out there. You aren't just parroting the biased views of others.

@Theretirementnerds 6 ай бұрын

This means a lot! Thank you so much for taking the time to watch and share! 🦜

@guitarhillbilly1482 6 ай бұрын

Medicare Advantage is NOT Medicare but Private PPO or HMO Health Insurance. What the TV Commercials don't tell you is that actually you have signed away your rights to original Medicare when you choose an Advantage Plan. There is a 12 month window to return to original Medicare without Medical Underwriting in most States. Advantage Plans are better than nothing and are an option for people with low monthly retirement incomes.

@g0989 6 ай бұрын

@@guitarhillbilly1482 Medicare Advantage is an alternative to original Medicare, managed by private companies. One must first be enrolled in Medicare Parts A & B to be eligible for an Advantage plan. You can always return to original Medicare in the future without being subject to underwriting, but will be subject to underwriting to get a Supplement, in many cases.

@JohnJohn-wr1jo 5 ай бұрын

"Better than nothing" until you develop a serious medical issue and start racking up denial of service for treatments that your doctor orders. A lot of health groups are no longer taking "Disadvantage Plans" for this reason. Their liabilities increase exponentially due to the sub par treatment they are limited by MA plans. It's becoming a huge issue in many areas. Seniors are dying prematurely every day because of these plans. Medicare Advantage isn't medicare.... It's privatized insurance that the companies are making double the profits vs Medigap plans. It's by far the biggest scam of all. The government is paying between $1200 to $1800 monthly per person on these plans. Guess whos supplementing this waste. Those of us on regular Medicare.

@robertporter6527 5 ай бұрын

Spike has given you 2 barks out of 3 , for your good work.🐕

@beerster 9 күн бұрын

I have been on a UHC Advantage HMO plan for 7 years. It has paid for all of my big treatments including a detached retina and a knee replacement. They both cost me about $250. I pay 0 premium. I have saved over 26K in premiums. I exercise everyday. I have never smoked and don't have any chronic problems yet. I think I'm kind of stuck with it as I will pay a hefty price for a Suppliment plan at my current age.

@Theretirementnerds 9 күн бұрын

Thank you so much for sharing your experience!

@pgwarth 3 ай бұрын

I'm 67 and still working but planing to retire at 70. I've watched countless of your competitor videos on YT and through this process educated myself about the choices of Medicare. But your video was the BEST, most comprehensive and unbiased I've ever seen and your youthful looks belie your wise old owl wisdom.

@Theretirementnerds 3 ай бұрын

This means a lot. Thank you for watching and saying such nice things. Lots of great channels and agents out there 🙂

@moonshine1st 3 ай бұрын

For sure!

@timsteinkamp2245 3 ай бұрын

You must have a qualified insurance plan at work. Medicare and retirement are two different things. They want you paying for Part B as soon as you turn 65. Otherwise life long penalties. For example if you don't sign up within 3 months of your 65 birthday you have to wait a year then pay a 10% penalty for life.

@Theretirementnerds 3 ай бұрын

@timsteinkamp2245 hi Tim, I think your comment implied this, but just want to make sure. You are not penalized if you postpone Medicare past 65 as long as you are covered by a group health plan through work.

@timsteinkamp2245 3 ай бұрын

@@Theretirementnerds Yes, I said qualified because I thought that was in the rules but that should include most or all group health plans through work. When you do change over to Medicare you have to prove it and I'm not sure what documentation they require. It is complicated because for me I had no insurance but many do and then there are new citizens that need to have credits or pay more and over income levels pay more. Very confusing but check it out early for your situation.

@dougdellwo3274 2 ай бұрын

The elephant never forgetets to say thanks to you after her 95 days in skilled nursing care. She went home healthy with her finances in place.

@katherinebruno616 2 күн бұрын

What plan paid 95 days in a nursing home? I don’t know what plan covers long term care like that

@kenlongtin4566 6 ай бұрын

I have been a Medicare insurance agent for over 40 years I am 68 and now on Medicare… I chose a Medicare Supplement

@Theretirementnerds 6 ай бұрын

Thank you for sharing!

@mont5584 2 ай бұрын

Why did you choose a supplement?

@lindadavidson7328 Ай бұрын

@@mont5584because the advantage plan is shit unless you’re healthy till death

@lindadavidson7328 Ай бұрын

Me too , I was an agent too and I pick the supplement plan

@themetrologist215 3 ай бұрын

Good comparison. You left out a VERY important factor however. If you enroll in an Advantage plan and you develop serious health conditions later in life you will most likely be stuck in the Advantage plan for life. You won't be allowed to switch to a supplement plan. Therefore, your out of pocket on the Advantage plan will cost you more in the long run. Elephants never forget this fact. 🙂 However, people on a supplement plan can switch to an Advantage plan during open enrollment without any restrictions or underwriting.

@Theretirementnerds 3 ай бұрын

Hi friend! Thank you for watching! That topic gets a bit complicated, especially depending on where someone lives. Which is why we have a full video on that :) kzfaq.info/get/bejne/jNSWaLiersnQl30.html Hope you enjoy! Appreciate you!

@lindareed1374 5 күн бұрын

This is my white elephant. I I am 83 years old, I’ve been on an HMO in Florida. Just move to South Carolina and would like to go back to Medicare. Listening to your broadcast I feel my age is going to eat up all of my money when going the Medicare route with supplement. Have not spoken to anyone about changing my health benefits yet, but now I’ve become fearful about Medicare. Thanks in advance for reading this and hopefully you have an answer for me.

@giancolabird 3 ай бұрын

I’m 68 and going part time at work so I’m losing my insurance. When my parents needed ivermectin their advantage plan dr said he was not allowed to prescribe it. My friend who had a supplement went to her doctor and he gave her the rx. Based on this info I’m leaning toward a supplement to allow for my independent nature. I prefer freedom. Run wild horses, run! I make my own future decisions, not a ‘plan’ doctor. Granted, according to this situation I would save money with an advantage plan because I’m on zero meds, no medical problems and it would be cheaper. Nope. I’ll take freedom and choice. I eat food I make from scratch, exercise, walk my dog everyday, not a TV watcher, and have self discipline. We should be the captains of our own physical destiny. I’ve started raising chickens for healthy eggs and found a lady that provides raw milk. Ok, done with my animal references and rant. God bless all of you.

@joyschlomer6866 2 ай бұрын

You just don't know, you're healthy but things change quickly at times, out of no where. Run wild an free and confident you don't have to about that tricky policy of not being able to return to that medicare supplement plan😊

@mdice111 12 күн бұрын

As a cancer patient, my supplement G plan is serving me very well.

@Theretirementnerds 12 күн бұрын

Thank you for sharing. I hope treatments are going ok!

@susanq9049 3 ай бұрын

What a great and thorough explanation. Thank you, most sincerely. I, and a friend, are both seniors. She with and Advantage Plan and I chose Supplemental. We both have the exact same diagnosis. Routine testing is required. Her coverage is approved for 1 time per year and has been denied for more frequent testing. My testing is approved for every time my doctor wants to do it (every 3 months). I will be pointing many to your video. Just to make the point: I have another friend, also a senior, that is older than me but very healthy. She's very happy with her no cost Advantage Plan. Thanks so much. Like an elephant, I'll never forget (God willing ☺)

@Theretirementnerds 3 ай бұрын

Thank you so much!! 🐘 so glad it was helpful and thank you for sharing your experiences!

@lyns2686 6 ай бұрын

Your video was very good and informative. I'm currently on Supplement Plan G and thought about switching to Advantage to save the monthly fee. Even though I'm healthy and I haven't had to go to a doctor in years, I decided I don't want to worry about something happening and having to pay out more money if I'm on an Advantage Plan. I'm staying where I am. After listening to you with me, my dog completely agrees. 😋

@Theretirementnerds 6 ай бұрын

Thank you so much for sharing this! So happy it was helpful for both of you 🐕🙂

@simon359 6 ай бұрын

The problem I’ve heard is that once you go to the advantage plan, you can never get back to the G plan again! If you want the G plan, you have to take it right when it’s offered the first time.

@lyns2686 6 ай бұрын

@simon359 I don't believe that's true. You can switch back, IF you're not having major health issues. They ask about your health. With regular things you'll be fine, but if it's major, you won't be able to switch back. Even though I've been very healthy, i.e., haven't even had a cold since 1986, that lasted a day or 2, you just never know what can happen, so I decided to stay on Plan G. If anything happened I don't like the idea of constant co-pays and having to pay a percentage of any hospitalizations. Plus, my medical at work was free for years, but the last 2 jobs I had, my medical was just over $300 a month (and that was in the legal field), so Plan G is cheaper than what I was paying through work.

@buckywill9322 6 ай бұрын

How May I contact you for help on my decisions I need to make? The cats are worried for me as my retirement date fast approaches.

@Theretirementnerds 6 ай бұрын

@@buckywill9322 we'd be honored to help you (and the cats) in any way we can. Feel free to send me an email to erik@90daysfromretirement.com and include your zip code 😊

@nellerue446 3 күн бұрын

I've read several articles and viewed several videos - learned a little from each but was ready to write "Advantage" and "Supplement" on slips of paper, throw them on the floor, and see which one my dog chose. This video is great! Very thorough without being overwhelming, understandable, and honest. So, instead of letting Fluffy help me choose, I'll have my husband watch this and go from there. Fluffy's off the hook!

@Theretirementnerds 3 күн бұрын

So glad it was helpful! Thank you so much for spending time with us! 🐶

@jefffriedmann2113 3 ай бұрын

I’m a nurse case manager for a large Medicare advantage HMO. Your explanations are well structured and delivered. Great work in this year of the Dragon!

@Theretirementnerds 3 ай бұрын

Thank you so much for watching and sharing this!

@cindykeith9427 20 күн бұрын

I am also a Nurse Case Manager and he did an excellent job explaining the different choices of health care for those over 65. I love my fur baby puppies. It was well worth it to watch all your videos to the end. It is a maze.

@Theretirementnerds 20 күн бұрын

@cindykeith9427 thank you so much! You case managers are the front lines and deal with this every day. Appreciate you, and your comments mean more than you know!

@bmholbrook 7 ай бұрын

This video was so informative. My late husband was blessed to have a Supplement Plan G. Prior to beginning Medicare he began having neurological problems and was diagnosed with ALS. Thankfully we were able to receive the treatments he needed without the stress of co-pays, referrals, or pre authorizations. Instead of the healthcare process being a bear to deal with, it seemed more like leading a lamb.

@Theretirementnerds 7 ай бұрын

So sorry to hear about your husband. Yes, the ease of use is quite different between the two plans. I like your animal analogy 🙂

@debbycoffey4788 6 ай бұрын

You never mentioned underwriting, questions about your health, in order to switch from a MA to Original Medicare if you aren't happy with the Advantage plan you chose. I understand it can be very hard to switch if you have an underlying condition. What are some questions they might ask to deny you from switching?

@Theretirementnerds 6 ай бұрын

@debbycoffey4788 we have a video that goes over switching. And, we just finished filming an update to this video where we go through the medical questions in more detail that we hope to release next week. Hopefully you are subscribed and can see that when it comes out. Here is the existing video: kzfaq.info/get/bejne/mtClesh6nZidfWg.html

@threeftr3349 3 ай бұрын

@@Theretirementnerds "The ease of use" should be a 👑 (crown) all by it's self on the supplemental side. My future healthcare in retirement is towards a Plan N. Do you have any Plan N vs. Plan G videos? I know it all depends on your zip code. I am very lucky I don't live in a birthday state, as this just raises the cost of everyone's plan. From my understanding healthier people will pick N, for a reduced price per month over G, because their co-pays would not exceed the yearly price for G plans. Many people don't want to fool with co-pays at doctors offices, $50 for ER. It's cheaper because the patient takes on more risk. That reduction in plan price, after many years, a decade or more, can make the difference of someone keeping their plan and not have take an Advantage plan later. If you do run into a doctor that is non-participating in Medicare, which many say it's really very rare(some say only 0.7%)---besides you being the patient asking, that doctor has to inform you up front. Those non-participating doctors are not contracted with supplemental plans, therefore they can only bill you the patient. They need you to approve their fees before they can give you a service. Medicare does penalize doctors who are non-participating, so any excessive charge, the doctor won't get all of it. In a big healthcare group, including big hospital groups it's all or none. They either all participate or none participate. As of 2024 12,000 baby boomers reach retirement age everyday. For a doctor to try to squeeze a few extra dollars in excessive charge, after they are penalized, doesn't make any sense. They will just have less patients, and a huge headache to try to get patients to pay their bill.

@lanitamerritt5580 2 ай бұрын

I'm turning 65 in a couple of months I would love to afford a G plan with limited income I'll probably have to chose an advantage plan

@Kristenk321 6 ай бұрын

As a newish agent, this video was so informative and makes me feel like I can be even more of an unbiased asset to educate and guide my clients. Sure, this is how I make a living, but I need to feel like I’m helping people make a GOOD decision. Otherwise, I would not be able to sleep soundly at night. I have seen how ugly this industry can get and it’s really a shame that some agents put more value on a paycheck over a fellow human being’s livelihood. Great video! I give it 8/8 tentacles. 🐙😉

@Theretirementnerds 6 ай бұрын

Haha thank you so much Kristen! 🐙 Agree with you. We are real people helping other real people. That means something to us.

@cyclone411 3 ай бұрын

As a rhinoceros a few years from sign up time, I am tending toward original medicare and supplement. Those "second three categories" are way more of a concern for me. I'd rather pay the premium and not have the risk of higher costs when i use the medical system. I'm currently struggling to pay off accumulated coinsurance from care after an accident. I also am very averse to needing referrals. This was one of the best videos - or presentations in any format - of this topic. Comprehensive, well paced, well balanced. It answered ALL my questions, and that is really saying something with this ludicrously complex issue. It really makes me want to move to a country where medical carfe is just taken care if without any of this profit-based bullshit. Thanks for sharing this info to all.

@Theretirementnerds 3 ай бұрын

Makes me so happy to know this was helpful. Thank you so much for not just watching, but taking the time to write this. Means a lot!

@danettebishop1967 3 ай бұрын

Balance coverage. Thank you. Balanced and complete like an elephant.

@lucilleprince5025 6 ай бұрын

This is the second video I have seen on your channel. So grateful to have found a resource to help my husband and I navigate the complexities surrounding the decisions we need to make. They say you can lead a horse to water but can't make him drink. The average person is thirsty for reliable information and resources to help in the decision making. Thank you Erik for everything you are doing to educate us.

@Theretirementnerds 6 ай бұрын

Thank you so much! This is so nice of you to say and makes us so happy that these videos are helpful! 🐎

@donnahunt813 4 ай бұрын

I’m 86 and have never regretted buying a supplement. I had a few moments this past year by being bombarded with ads from Advantage policies and all the perks. It’s getting too expensive and I need dental and eye care however their amounts of help aren’t that high. I like being able to pick my own Doctor, especially if I know how good their competency is. I did the pros and cons when I had to decide which one I wanted. Just hope I can keep up with the cost since I am a low income senior.

@miessy9633 4 ай бұрын

@@donnahunt813 FYI: for glasses, I pay out of pocket for an eye exam and order glasses online from eyebuydirect. I’m very nearsighted and have astigmatism and bifocals and I’ve always happy with the glasses I get. I order the top quality lenses they have. With a coupon, I pay $150 for glasses that would cost me over $600 if I didn’t buy them online. I like picking out frames online, I always felt rushed in the store to pick one out.

@user-vt6vm7rq7p 2 ай бұрын

Fabulous presentation! I am purrrring over my supplement plan. Thank you for explaining it all SO well!

@Theretirementnerds 2 ай бұрын

Thank you so much! I see what you did there ;)

@JacquelynePrice Ай бұрын

Thank you so much for explaining this. My dog, Eli, thanks you too! He had to sit and listen with me.

@apeel2008 3 ай бұрын

KZfaq algorithm showed me your video. Best explanation I have EVER seen (and no, I am not ‘blind as a bat!’) on this topic. So I have liked and subscribed. When I turned 65, I chose a Supplemental Plan G at the beginning as it did provide me with the peace of mind that are covered in the last three categories. I have also been one to try to persuade people away from Advantage plans because of some of the uncertainty you reference. However, rather than doing that going forward, I think I would be better to just share your video and channel with them. EXCELLENT! Thank You!

@Theretirementnerds 3 ай бұрын

Thank you so much! Means a lot!! 🦇

@mommachallc.7871 Ай бұрын

As a new agent I am very grateful for your video. This is the type of agent that I inspire to be, one that is highly knowledgeable, one that educates and truly have a heart for people. God bless. 🐟

@Theretirementnerds Ай бұрын

So glad you found us! Thank you for watching!

@sherrirys7798 3 ай бұрын

This is the most comprehensive and easy to understand presentation I've ever seen. And I really like your rhino!

@Theretirementnerds 3 ай бұрын

Thank you so much for saying this! Means a lot! 🦏🙂

@dianebrown7587 3 ай бұрын

Thank you for your in-depth, excellent information, at 63, Im almost there and am in the gathering stage. I love all elephants, even white ones.

@donrousseau8627 Ай бұрын

Great video on Medicare Advantage vs. Supplement Plans. I am a Medicare Insurance Agent and Broker for Florida. I totally agree with your presentation, as it directly aligns with my explanations to my clients. I will share your video with my clients to further explain this important topic. Making the right decision before turning 65 will make a difference. Knowing the differences between Advantage and Supplement plans is vital, and it is a personal decision based on each person's health issues. Thanks for your video.😊

@Theretirementnerds Ай бұрын

Thank you so much, Don!

@davesulcer 2 күн бұрын

I appreciate the full analysis of this topic without feeling like the presenter is busy trying to hawk something! I think managed care (like Kaiser) is fantastic, I just wish I had a crystal ball about how my health will go. Nice job on the long-form video, really well organized.

@Theretirementnerds 2 күн бұрын

Thank you so much for tuning in! So glad to hear it was helpful :) People either love managed care like Kaiser or hate it. Doesn't seem to be a middle ground for many people, haha. We are doing a 48-state road trip and will address Kaiser when we hit the various states that have Kaiser. Appreciate you! 🦅

@frankt1720 4 ай бұрын

The elephant in the room is the future of Medicare and it’s solvency

@calista1280 3 ай бұрын

Only because the Gov has stolen from our SS & Medicare funds to the tune of TRILLIONS OF DOLLARS! Vote Red to repay & preserve our benefits! Contact your representatives frequently to DEMAND VOTER ID NOW!

@karyannfontaine8757 2 ай бұрын

If the Politicians stop using it as their personal funding, we will have enough.

@idmhead0160 17 күн бұрын

The government can print money to cover it, just like they do for all the unnecessary and immoral perpetual wars they fund.

@RandyHoffman-iq9ox 2 ай бұрын

As a physician caring for many senior patients who often ask questions about traditional MC v MC Advantage, I found your video very informative. Thank you. Dr. Cheetah

@Theretirementnerds 2 ай бұрын

Thank you so much for taking the time to watch!

@srcronk 14 күн бұрын

I'm about 2 years out from retirement, and have been wondering about the differences between the two sets of plans. This video did an outstanding job teaching me about the pros and cons of each, and was very even-handed as far as I can tell. Thanks! Go (Louisiana Tech) Bulldogs!

@Theretirementnerds 14 күн бұрын

So glad it was helpful and thank you for tuning in! 🐶

@chipbarron9966 Ай бұрын

Brent, excellent KZfaq video, especially for those who are looking into choosing Health coverage options at retirement. I'm 75 and been in the insurance business for 50 years. Ten years ago when I retired my options were limited so I chose a medicare supplement. I am in excellent health and now realize how important choosing the right plan based on your own health prospects (morbidity) and Life Expectancy. I switched to an advantage plan knowing I can always go back. God Bless

@user-ke9vq6ph1p 7 ай бұрын

I really appreciate these videos, the content and straight forward comparisons you provide. You help us understand the elephant that is Medicare, one bite at a time! We've had Medicare with a Supplement so far, and based on what I learned from your video, I think that is where we will stay.

@Theretirementnerds 7 ай бұрын

Thank you so much! Your comment means a lot! And we're very happy that you are in an arrangement that is working well for you. Great use of the 🐘 :)

@andrealacina5738 Күн бұрын

Thanks for the great analysis. My dog and I listened to the entire presentation

@Theretirementnerds Күн бұрын

So glad it was helpful! Thank you both for tuning in! 🐶

@TomMiller-rv5wl Ай бұрын

I have been an agent for close to 10 years and this is the most informative comparison I have seen. I watched it with my Dog Rip

@Theretirementnerds Ай бұрын

Thank you so much Tom! Appreciate you watching! Rip too 🐕🙂

@marram2852 4 ай бұрын

Excellent presentation. I'll be 65 in December and have learned so much from this! 🐘

@Theretirementnerds 4 ай бұрын

So glad it was helpful! Thank you for spending some time with us!

@arthurlow6553 5 ай бұрын

I have had Kaiser for 30+ years before Medicare eligibility. Now I have Kaiser advantage. I have never been denied service that I needed!

@Theretirementnerds 5 ай бұрын

Thabk you for sharing this!

@johncyr181 4 ай бұрын

Wish you luck with MA coverage. When you really are in need of medical help, you may wish you had original Medicare but it may be too late....

@briancaine9130 3 ай бұрын

My mother had Kaiser Advantage for many years. They were excellent on coverage and all other aspects.

@terrifiorelli9819 2 ай бұрын

My neighbor has the original Kaiser plan and it sucks. If they say no. Medicare even if approved will not cover.

@aliannarodriguez1581 Ай бұрын

I’m guessing there are different flavors of Kaiser Advantage plans out there and would be interested in hearing about which one you have. Kaiser is pretty good, and they have a lot of top rated doctors apparently, though they still only give you the 10 minutes per patient that so many doctors offices have implemented. (You really have to be in charge of your own health these days.)

@brendataylor8917 2 ай бұрын

My dog, Ginger, sat with me while I watched your informative video. I have had a supplement plan from day one. With health issues like Parkinson’s, diabetes and congestive heart failure it has come in handy. I’ve never had an issue with coverage when a physician or surgeon recommended a specific treatment,procedure, or surgery. It gives me peace of mind. I will send this video to two of my friends who both have an advantage plan. One friend recently had issues with her coverage when she was assigned a rehab center after breaking her hip.

@Theretirementnerds 2 ай бұрын

So glad you are happy with your plan and thank you for watching to the end 😉🐕

@michaelhoward3916 5 күн бұрын

i love my dog rudy... you do a great job... love the transparency and honesty

@Theretirementnerds 4 күн бұрын

Thank you so much! Appreciate you saying this! 🐶

@akt8520 4 ай бұрын

Thank you as a 25 year Medicare professional you did a great honest presentation. 🐘🐘🐘

@Theretirementnerds 4 ай бұрын

This means a lot! Thank you so much for taking the time to watch - to the end! ;)

@good4u1000 Ай бұрын

The Elephant in the virtual room is costs over time in supplement plans. Very comprehensive video; thank you for such a balanced evaluation of options for supplements or Medicare Advantage plans! ❤

@Theretirementnerds Ай бұрын

Excellent point! I think you'd like this video that covers that: kzfaq.info/get/bejne/j8yPf7Wd1L7Rg6M.html

@barbcarranza3492 3 ай бұрын

Thank you very much I learned a lot. I feel that I can sound the trumpet on the knowledge you have shared.

@maureenthompson8845 3 ай бұрын

Thank you, This was the best that I have heard, it helps to have something explained so is easier to understand the differences.

@Theretirementnerds 3 ай бұрын

So glad it was helpful. Thank you so much for watching!

@daracucinotta1711 5 ай бұрын

My cat Charlie and I started watching your videos 1/6/2024 and we are hooked! TY for your content

@Theretirementnerds 5 ай бұрын

Thank you so much! So glad it is helpful for both of you 🙂😺

@560655558 7 ай бұрын

I have been following and watching your KZfaq videos for several months now and I have learned a great deal doing so. Your presentations are very clear, extremely informative and I feel your honesty every time, whether you're talking about Advantage or Supplemental plans. Your honesty inspires trust and I truly appreciate that, thank you! I still have many questions regarding my own situation before I begin walking through the Medicare maze, so I'll be sure to contact your team for further guidance. Also, thank you for addressing the white elephant in the room!..

@Theretirementnerds 7 ай бұрын

Thank you so much! Your comment really means a lot as you stated exactly what we're hoping to be. And the elephant appreciates the attention 😉 We'd be honored to help when the time comes.

@dominohayes 28 күн бұрын

I have Medicare original and plan G very happy with it . I travel often all over the country and works for me

@zbo5624 Ай бұрын

I love dogs! You couldn’t have done a better job. I like how you didn’t lean to either side because it is too easy for many many agents to focus on one option. Im a full time recruiter so I see this day in and day out. You absolutely nailed it. An agent that is sole focused on one side of Medicare is not an agent in my opinion. Their fiduciary responsibility is to educate their client to make an informed decision- and you did just that. We need more people like you out there! Great job on this presentation!!!!

@Theretirementnerds Ай бұрын

Thank you so much for tuning in! 🙂🐶🐕

@flocosta 7 ай бұрын

I have just signed up for Medicare and went with the advantage plan. My agent went through everything with me including the fact that I rarely go to doctors. He suggested that the advantage plan seemed to be the best fit for me. He also warned me that if I change my mind next year and want a supplement plan instead then it may have to go through underwriting before I am approved for it. If I had unlimited funds, I would have gone with a supplement but unfortunately when you go on social security, your income goes down not up. I did also take an extra cancer plan that would cover any out-of-pocket expenses for the current year that I use it. I think the agent I had did a great job explaining everything to me. He even read and explained every line of the plan I was signing up for before I signed anything. I think the best thing and most important thing you can do is to have a good agent to help you. Btw, I think your videos are the best I've ever seen! Here's the animal, I watched everything! 🦒

@Theretirementnerds 7 ай бұрын

Sounds like your agent did a great job, which makes us so happy! Thank you for sharing your experience and watching (especially to the end) 🙂

@user-jn8zw7pl6e 7 ай бұрын

Your video are very informative and unbiased..and I listened till the end.. than you. I am on advantage plan and I been doing my own research on plans, deductibles, out of pocket etc and my plan still the best for me.. I am just worried about news that doctors and facilities are signing out of adv plans,, hopefully not in my plan 🐕

@Theretirementnerds 7 ай бұрын

@@user-jn8zw7pl6e appreciate you watching! Especially until the end 🙂

@kimdiedrich9712 7 ай бұрын

What about premiums for Supplement carriers? I thought these were in addition to the deductible for Medicare B? And Medicare A has a $1650 deductible?

@Theretirementnerds 7 ай бұрын

@@kimdiedrich9712 correct. Premiums for supplement plan carriers are in addition to Medicare Part B premiums, and with a Plan G, you still have the Medicare Part B deductible ($240 in 2024). However, with a supplement plan G, you don't need to pay the Part A deductible. The supplement plan takes care of that.

@dancalderwood9296 6 ай бұрын

Thank you for the fantastic and super helpful video! I'm currently in my initial enrollment for Medicare and I have had multiple conversations regarding Advantage vs Supplemental. You really helped me understand that 1) Advantage isn't a villain or a wild boar ;-) and 2) there are pluses and minuses to both. Your delivery is succinct, on point, and appreciated. I'm so glad I found your channel and look forward to more of your insightful videos.

@Theretirementnerds 6 ай бұрын

So glad it was helpful! Thank you for watching! Glad you found us, too 😊

@guitarhillbilly1482 6 ай бұрын

@DiansYanez 2 ай бұрын

Loving this video for my mother. Can't wait to show her and her pup too. She keeps hearing, from friends, about how much better an advantage plan would be for her. This really explained all the choices and I feel backs what I have been telling her. Thanks agian for this video.

@Theretirementnerds 2 ай бұрын

Of course! Happy to help in any way we can :) Appreciate you watching!

@billbmsn 15 күн бұрын

You were as fair as could be in this review. One thing that could be important that was not mentioned is that you can be denied a supplement plan if you have health problems and apply outside the open enrollment period. I ended up with a no premium PPO advantage plan with out of network coverage with no cost increase. It has worked well for me. I love dogs.

@Theretirementnerds 15 күн бұрын

Thank you for watching! 🐶🐕 This is our video that covers switching, because that gets complicated... kzfaq.info/get/bejne/jNSWaLiersnQl30.html

@susanschroeder1620 6 ай бұрын

I really like your video and feel it’s the unbiased one I have watched. My dog sits with me as I watch videos. My husband has had 2 outpatient procedures this year along with a 5 day hospital stay. I don’t love his premiums on the supplemental plan but have been grateful for the coverage he has had. I find it peace of mind having the supplemental plan. I do have an agent I trust but always feel the need to understand Medicare coverage. Thank you for your help.

@Theretirementnerds 6 ай бұрын

Thank you so much Susan! Appreciate you watching and adding your thoughts! I hope you and your husband are doing okay after the hospital experiences this past year.

@jruggle 6 ай бұрын

Yes I watched the whole video and it was outstanding. I’ve never seen a more complete and fair comparison. I really appreciate the time and effort you put into this and your other videos. Keep up the terrific work! And I like the rhino and elephant at the end.

@Theretirementnerds 6 ай бұрын

Thank you so much, Jim! Appreciate you watching and saying this :) 🐘🦏

@patrickbeck8552 4 ай бұрын

Great video! It's awesome to find someone honestly educating the public about their options.

@Theretirementnerds 4 ай бұрын

Appreciate this Patrick! Thank you for watching!

@marypoole2200 3 күн бұрын

My cat and I are leaning toward the Supplement route after watching this.

@Theretirementnerds 3 күн бұрын

Solid choice! Thank you (both) for watching! 😺

@JVANCLEVE 7 ай бұрын

Fantastic video Erik. You are the GOAT in this space combining clarity, objectivity, and factual data. Other so called "experts" online just PARROT one another with their Medicare opinions and absolute recommendations. I'd be LION if I said this video isn't the best one on the web comparing the Medicare paths. Thank you!

@Theretirementnerds 7 ай бұрын

Wow! You are too kind! And a BEAST at animal references 😏

@bernadetteinez8509 7 ай бұрын

White elephant is my favorite.

@la-gl4uh 6 ай бұрын

@JVANCLEVE - You ain't KID-ding. Excellent reply

@davidbundesen5867 6 ай бұрын

Finally a video that explains a very complicated subject in a relatively easy to understand for Matt. My wife and I have two very different medical needs and two very different plans. I have an advantage plan and my wife has supplementary plan. Anyway, this is pretty easy to understand. For a very complicated subject. Thank you.

@Theretirementnerds 6 ай бұрын

Thank you so much David! Appreciate you watching and sharing your experience!

@Beth_0000 3 ай бұрын

In spite of constant interruptions from my parakeets, I learned a lot from your video - thanks!!

@Theretirementnerds 3 ай бұрын

Hi Beth! Sounds like the parakeets are big Medicare nerds like me :) Thank you for spending time with us!

@paullapeyrouse7189 3 ай бұрын

As I was watching you video with my " DOG" sitting next to me, I came to appreciate all of the details you were explaining. You manner of delivering direct/relatively simply key points about a very confusing topic is amazing. I'am only 62 and in good health, but Iam researching and trying to be prepared for the near future when I will nee these plans and help.

@Theretirementnerds 3 ай бұрын

So glad it was helpful. Thank you both 🐶 for watching!

@jennyfinnell7719 5 ай бұрын

Your videos are a different ANIMAL! They are amazingly comprehensive and your sincerity and transparency show through. I picked plan g but a girlfriend is strapped financially. She dies have diabetes but I think she could do advantage but set aside $125 mo she would save for out of pocket expenses to build up an emergency fund for out of pocket health expenses and other needs. I send her this video.

@Theretirementnerds 5 ай бұрын

Thank you so much for watching! So glad it was helpful :) Diabetes is tough. If she's struggling financially, we understand, but diabetes and supplements are a strong combination. Appreciate you!!

@JaneMcNamara 4 ай бұрын

Well done! Great information! I have 3 horses and a mule, and always worry about getting hurt as I age and needing emergency care, so this video really helped me understand what I should consider. Thanks again!!!

@Theretirementnerds 4 ай бұрын

Thank you for spending some time with us! So glad it was helpful! 🐎🐎🐎

@marcellavanoel6308 4 ай бұрын

In the flood of Medicare advice videos on KZfaq I'd say this is one of the best. Yes! And you didn't even try to hide behind any of those elephants in the room. Thanks for the straight up, well-presented info.

@Theretirementnerds 4 ай бұрын

You are making me blush! Thank you so much, this is so nice of you to say! Thank you for spending time with us (and the elephant in the room) :)

@johna.245 4 ай бұрын

My pet 🐘and I watched several of your videos today. You detailed some of the “cons” of both types of coverage. Refreshing and much appreciated. Excellent presentation. I definitely will recommend your videos to family and friends approaching our “golden years”.

@Theretirementnerds 4 ай бұрын

Thank you so much for spending time with us :) Appreciate you watching all the way to the end!

@andrestovall7161 7 ай бұрын

Great video. Clears up a lot, and I’m a physician who sees denials not infrequently. Keep up the good work! Ocelot 🙂

@Theretirementnerds 7 ай бұрын

Thank you! Nice call on the Ocelot :) That's a first

@beowulfblade7591 5 ай бұрын

I've been a Medicare Broker for several years, and I love everything about this video, masterfully explained, easy to understand...awesome. And my cat also enjoyed it (that's a lie, he was pestering me the entire time, but hey, he's a cat, lol).

@Theretirementnerds 5 ай бұрын

This is very kind of you. Thank you so much for watching and saying this! Cats never plan for the future 🤦‍♂️

@dennisrowley2372 2 ай бұрын

Super helpful. Thanks very much and appreciate your knowledge. Thanks for sharing. 🐘

@Theretirementnerds 2 ай бұрын

Appreciate you watching and making it to the end :)

@gingerpryor7539 2 ай бұрын

By far, the most informative presentation on this topic I’ve seen! I only had to pause once to let my constant companion, my Australian Shepherd, Asah, out for a break. Thank you for clarity!

@Theretirementnerds 2 ай бұрын

Thank you so much! Appreciate you watching and sharing this! 🐶

@rebeccacardenas8313 5 ай бұрын

Thank you. I understood all the info you provided. We signed up for the Advantange plan. I hope this is a good plan for us. Mostly chose this plan because the price seems better for us. When retirement comes with less income, it seems best for us. We have 2 Sulcata tortoises.❤

@Theretirementnerds 5 ай бұрын

How fun! 🐢🐢 Thank you for watching and sharing your situation. Your agent will be a big help moving forward for you. Advantage plans can work very well for people. We have a whole video dedicated to how to switch as well. Appreciate you!

@nofutility 24 күн бұрын

Dogs and koala bears are my favorites. You made that explanation of Advantage and supplemental coverage crystal clear and easy to remember Thanks.

@Theretirementnerds 24 күн бұрын

Thank you so much for watching! 🐶🐨

@pmoyer8659 Ай бұрын

I just have to take a moment to thank Erik for reaching out to me to help solve my complicated insurance issues. They are the real deal.

@Theretirementnerds Ай бұрын

Thank you so much, Pam! So glad you reached out to us :) Always happy to help!

@robertmiller1840 Ай бұрын

Thank you so much for the information! Clear & concise. My rescue puppy thanks you too

@Theretirementnerds Ай бұрын

Thank you so much for watching! 🐶

@barbfjelde2531 6 ай бұрын

Very good, informative video on this horribly complicated subject of deciding on a Medicare Plan. I have watched a few Medicare videos and really liked your unbiased explanations! Now, I can go back to my cat nap after all this thinking!

@Theretirementnerds 6 ай бұрын

Thank you so much for watching Barb! So glad it was helpful, and I could use a nap as well :) 🐱

@kellenmills5391 5 ай бұрын

Thank you for this very educational video😺

@Theretirementnerds 5 ай бұрын

Thank you for watching!

@VegasVaron 3 ай бұрын

Just found your channel. Very informative. Thank you.

@Theretirementnerds 3 ай бұрын

So glad you found us! Thank you!

@ajkmacb 3 ай бұрын

Jaguar, Thanks most help and simply explained.

@user-je1nl7lj6v 7 ай бұрын

Great video. For folks like me who are trying to get educated about Medicare choices we will be making in the near future, you help to FERRET out the key pros and cons of both Advantage and Supplement plans. Many thanks!

@Theretirementnerds 7 ай бұрын

Thank you! Clever comment 😏

@rosemobley4978 5 ай бұрын

Love the FERRET in your comment.

@lindal1827 5 ай бұрын

I lean heavily towards Supplement Plans and not Advantage plans - I still do, but this was one of the best comparisons/explanations. I am not 65 yet (3 more years) but I help my mom and some of my other older friends, all dog lovers ❤ and this helped me enough that I subscribed to your channel. I think it is a little crazy that it gets so confusing for people who are older, yes, at 65 they can probably figure it out, my mom will be 88 next month and there is no way she could figure any of this out (for the last 15+) no fault of her own. Thank you. I look forward to watching some of your other videos.

@Theretirementnerds 5 ай бұрын

Thank you so much Linda! For most of us, the intricacies of insurance were just handled by our employer and HR teams. Once Medicare comes around, all those nuances are now placed on the individual - or their kids as you are experiencing. That's where we hope to help 🙂 appreciate you watching!

@chuckprada7407 Ай бұрын

My “cat” and I enjoyed the video extremely. I feel very comfortable sharing this with someone who’s just now getting involved with Medicare. Thank you again for such a great job.

@Theretirementnerds Ай бұрын

Thank you (and your cat) so much for spending time with us! So glad it was helpful!

@marieb6447 29 күн бұрын

Lions. I appreciate this video. It clearly defines differences. I had a good agent who suggested a supplement plan for me when I was in transition to Medicare because I was in the middle of tests for breast cancer. She saved me a ton of specialist visit copays, hospital/surgery and however radiation would have been billed by an advantage plan. And I was saved alot of worrying about how much it would have cost during treatment.

@Theretirementnerds 29 күн бұрын

Thank you for watching and sharing your experience! 🦁

@eb9836 Ай бұрын

Thanks for a well balanced presentation - need the memory of an elephant to keep all of it straight. Keep up the helpful work. Glad we can save the video to favorites and review again and again ...

@Theretirementnerds Ай бұрын

Thank you so much for watching! 🐘

@johnraines8834 7 ай бұрын

Brilliant presentation!!! Well researched, balanced, extremely clear, and entertaining. It doesn't get better than this in terms of educating the public about Medicare. Thank you for sharing this. Animals add a fun element.

@Theretirementnerds 7 ай бұрын

Thank you so much! Especially for making it to the end 😉

@vickydelosreyes2330 6 ай бұрын

I love elephants 😊

@MsdemonMac 6 ай бұрын

A Pun... I thought John said that "Animals add a fun elephant!" Just kidding really!

@deniseandrews213 Ай бұрын

Spent most of last year with my husband deciding and ultimately went with a plan G. Now I am starting to look and am seriously looking at Advantage. My parents are 90 and have nothing but great things to say about. I love my 🐕

@Theretirementnerds Ай бұрын

Where you live will matter. Some areas have advantage plans that are very hard to ignore. Thank you so much for watching!! And I'm a huge dog lover :)

@lauriewhite4646 3 ай бұрын

Great video. One of the best breakdowns of the Medicare system. My pet iguana also enjoyed!

@Theretirementnerds 3 ай бұрын

Thank you so much, Laurie! 🦎

@eduardooramaeddie4006 7 ай бұрын

Thank you for the Medicare information, I agree 👍 will you, I won't be angry, the truth is really appreciated, thank you Eddie 😊hello from Puerto Rico 🇵🇷🇺🇸

@Theretirementnerds 7 ай бұрын

Thank you Eddie!

@ginasheedy9509 6 ай бұрын

Thank you very much for your unbiased analysis and educational videos, and I love the 🐘! My husband and I are learning a lot in your clear and precise comparisons for Medicare Advantage vs Medigap Supplement plans in this rather complex decision involving future risks estimation or predictions...as an actuarial- mathematical exercise for ourselves... Can be stressful, but you make it so much easier and entertaining 😊 Thanks again!

@Theretirementnerds 6 ай бұрын

Appreciate you making it to the end 😉 Thank you so much and so glad it is helpful!

@guitarhillbilly1482 6 ай бұрын

@lorettabarrish118 2 ай бұрын

Thank for sharing your knowledge on this topic it can be confusing and overwhelming!👍🏼

@Theretirementnerds 2 ай бұрын

So glad it is helpful! Thank you for watching!

@Lisa-yq7ug 4 күн бұрын

I am still working and plan to do so for a couple more years. I won't begin Medicare for a while. Researching now. I will be 65 in September 2024. I love to travel (with my dog), so I am leaning toward the high deductible supplemental plan G. (?) Thank you for all of your KZfaq videos and unbiased education on Medicare. Lisa

@Theretirementnerds 4 күн бұрын

Thank you so much Lisa! Appreciate you! 🐶

@Cyberkop2u 7 ай бұрын

Although I’ve not reached the critical age yet to make such an important decision I’m really glad that I came across your content. You gained a new subscriber today and I appreciate the detailed, easy to follow instructions that you provide and the transparency that comes from your knowledge. Thanks for addressing the elephant that’s in the room! Oh to have the memory of such a beautiful creature.

@Theretirementnerds 7 ай бұрын

Thank you so much for joining our little group :) And well done making it to the end. Appreciate your support! 🐘

@patti7805 2 ай бұрын

Your coverage is the cats meow. Thank you

@Theretirementnerds 2 ай бұрын

Thank you so much!! :)

@juanitajones7325 3 ай бұрын

🦏🐘thank you that thorough explanation of a confusing matter. I may have to watch your video several times to make a wise decision, but I feel empowered now 💯👍

@Theretirementnerds 3 ай бұрын

So glad it was helpful! Thank you for watching, Juanita!

@PlusPress 2 ай бұрын

Thank you. Concise explanation of the pros and cons of our Medicare choices. 🐘

@Theretirementnerds 2 ай бұрын

Thank you for tuning in!

@tinad846 6 ай бұрын

Just turned 65. My broker tried to present all options and easy to understand. Very confusing. I appreciate your videos especially when I just watched one of those portraying this business as a DOG eat dog world. Having said that I hope my agent and I made the best choice. I really hate the whole thing. But thnx again for your unbiased presentation

@Theretirementnerds 6 ай бұрын

Thank you so much for watching! The analysis paralysis and all the marketing messaging creates quite the whirlwind. I'm glad your agent was able to help you! Given they presented all options, rely on them for future decisions. Sounds like they are doing a good job!

@adamniederklein6965 6 ай бұрын

This is the most informative and most unbiased video I've seen on this topic. Yes, it's long (32 minutes), but this topic warrants at least 30 minutes for all the nuances that exist in the MA vs Medsup comparison. There was nothing I saw/heard in your video that could have been omitted without diminishing the high-quality explanations. The agent commissions part regarding higher commissions with MA plans for agents in the first year could be expanded upon (and you probably do in another video) because there is some nuance to that sub-topic. Comparing commission's over a longer, ex. 5-year period, may show negligible differences between the two choices when you consider a supplement plan also probably includes commissions from a PDP, dental, vision, etc. Overall, please keep producing. I've watched other videos from you and am so impressed with your thoroughness and objectivity. I'm an independent agent/broker and you are a wonderful resource! There's an elephant in the room.

@Theretirementnerds 6 ай бұрын

Thank you so much Adam! This means a lot. Appreciate you watching and taking the time to comment. We do cover commissions just a little bit more in this video starting at about 13:20 kzfaq.info/get/bejne/a7qcY7illtq4dac.html Thank you again!

@Linflas 3 ай бұрын

I have to say this video is one of the clearer explanations I have seen regarding the advantages and disadvantages of each. I enjoyed watching with my fish looking over my shoulder from the tank.

@Theretirementnerds 3 ай бұрын

Thank you so much! Makes me glad you found it helpful

@yyyang02 27 күн бұрын

Thank you for excellent presentaion!

@Theretirementnerds 26 күн бұрын

Appreciate you watching!!

@doktajim 3 ай бұрын

One additional thought for people who are living off their savings for example no pension the low or no premium costs of a advantage plan would be important

@AngelDiaz-lh5lj 6 ай бұрын

I think your request to mention the elephant and the Rhinoceros you showed you showed us was genius! Bravo!

@Theretirementnerds 6 ай бұрын

Thank you so much! 🐘🦏🙂

@scuttfarcus7278 Ай бұрын

I turn 65 in July. I just enrolled, and prior to this video I was completely overwhelmed. Your video was the CATS MEOW! LoL, now I'm only slightly overwhelmed. I'm sharing this with my wife and I'll probably watch it again.

@Theretirementnerds Ай бұрын

So glad it was helpful! Thank you for tuning in! 😺

@darylschleicher5035 3 ай бұрын

My dog and I thought you did a great job explaining Advantage plans or Supplement plans. Thank you.

@Theretirementnerds 3 ай бұрын

Thank you (both) so much!! 🐶

@edh7658 7 ай бұрын

Thanks, I just like the simplicity of Supplement plans, and live in a rural area with limited choices, I think in the long run paying a fixed amount each month works better for me. We can alway go to advantage later if needed, but once we do that we will never be able to go back to Medicare. Thanks Bigg Dogg

@Theretirementnerds 7 ай бұрын

The simplicity is tough to beat on the supplement route! Glad you are happy with your choice and sounds like you know your options moving forward. Appreciate you!

@justhonest41 5 ай бұрын

I like this video. You are good in explaining both plans. I just turned 65 and most agents want me to choose advantage but I know they are not sincere agents, they just want the commissions. Because I listened to your previous video before I trust your video than my agent. Therefore, I am choosing supplement G because of freedom and administration.

@Theretirementnerds 5 ай бұрын

Thank you for watching! There are agents that will push Advantage for commissions. There are also agents who recommend then because they are a good fit, depending on the person and area. Sounds like the freedom and flexibility are most important to you and a supplement Plan G definitely gives you that freedom and flexibility around your healthcare decisions! Appreciate you!