What other Medicare "tricks" have you experienced? Let me know below!

One plan for EVERYONE! Stop all the corruption between hospitals and insurance companies. 💥🤛

Health care in the USA is a sad sad joke.

Our government sends billions overseas every year but can't assure retirees free medical care without this complicated mess. A disgrace!

Shame on our govt for making senior citizens having to deal complexities at a point in their lives, myself included. The system is complex at a time when people need ease of issues, not insurance companies bombarding with advertising. The insurance lobby owns Congress

Damn! I'm turning 65 this year. I already have good medical coverage for my wife and I that I've paid a lot for over an eternity. I'm getting blind calls and offers in the mail. Until I understand medicare, I'm blowing off everything. This was the first video on the subject I've viewed. Holy shit could it be made anymore confusing? I've got a lot to learn I see.

We are in our 70s using Medicare Original supplement plan F. Combined we pay $350 a month for F. Wide has chemo every three weeks. On our most recent Medicare F statement, we observed $51,000 for a single injection of one drug only. So far we estimate her breast cancer charges over $600,000. We want readers to know. By the way, those Medicare brokers put you into advantage plans that is best for them. Not you!

Why are insurance companies so corrupt in America?

The main thing about Medicare Advantage, it is a privatized for profit program and if your local Medicare Advantage doesn't include various in-network specialists, you will have to pay out of pocket for care. Medicare Advantage is for profit heatlh care and not patient oriented care, it is for profit care.

What a convoluted and screwed up system we have.

Leave it to politicians to make laws horribly complicated.

If you get Medicare Advantage plan you are in a Private plan. Traditional Medicare is always the best. Let no one. Kid you. Med Advantage put money in Politicians.

Another important aspect of traditional Medicare plans vs Medicare Advantage plans is, if Medicare denies a lab charge due to improper coding for the reasons (symptoms or diagnosis) for testing, traditional Medicare CAN'T bill the patient for denied charges on lab tests, Medicare Advantage, can and will, bill the patient. Most doctors don't understand theses rules and limitations of Medicare and often order testing that Medicare won't pay for at all, or will only cover a test a limited number of times in a year. I used to work with lab denials in a couple of facilities I had worked at, and it was common for very angry Medicare Advantage patients to come in with their bills and demand that I "fix" it. They don't understand why their doctor would order tests that aren't covered by Medicare. Another interesting thing concerning traditional Medicare plans that have a supplemental insurance plan is that the supplemental plan will not cover Medicare denied testing. But in this instance, the patient won't be billed but the facility will be responsible for denied charges. I retired 4 years ago and these were the rules THEN, from my experience processing denials. I am unaware of any changes that may have occurred since. I did not get a Medicare Advantage plan specifically for these reasons and have traditional Medicare with a supplemental. My advise for retirees living on a fixed income with little savings would be to go with a traditional Medicare and a supplemental. Medicare Advantage would be more suitable for those retirees who are more financially secure with significant savings to pay those additional charges that you will receive.

Another reason we need universal HC. It is INSANE that people must navigate this next to impossible maze just when they are nearing one of the most vulnerable seasons of life. Medicare Advantage is not that much of an advantage. You get into an HMO and they deny so many things due to cost. They literally said to us, “Well, your granddad has lived a good, long life. So for seniors past a certain age, you’ll need to appeal for cancer treatment. We’d like to put him on Hospice.” Also, they don’t work with private retirement organizations that track and dispense medications for your loved one or provide other types of care (like physical therapy) on-site. Mobility is a lot for some elderly folks. So having a pharmacy (and dispensary) service on-site is a godsend. Ditto with PT. Fortunately, we were able to switch Grandma because Granddad also had Tricare.

When I was new to Medicare, I researched everything thoroughly. I called up an agent and went through everything. I wanted to reverify my research about not being able to keep switching plans and he lied saying that I could change my plan every year. (I am not in one of the states where you can do this). He was really pushing me to enroll in the Advantage plan. Beware folks, agents are not unbiased. They get paid to sell you these plans. Thankfully I had made the right choice for me and picked the traditional Medicare where I can go anywhere for my healthcare. Advantage plans are like a HMO’s whereby you cannot go anywhere. IE: can’t go to the Mayo Clinic in some states. Thanks for the video.

I've said this before and I'll say it again (until I die): Medicare advantage plan sales people should be required BY LAW to tell prospective customers that it may be difficult or impossible to switch back to a medigap/supplement plan once they enroll in an advantage plan. I am presently enrolled in an advantage plan and have had very good coverage up to now. But down the road, if my cancer gets worse or some other unpredictable disease comes up, I'm terrified by the prospect that some pencil-necked accountant at an insurance company may determine my fate.

*To be clear...* You MUST enroll on a TUESDAY, UNLESS it's on a LEAP YEAR, then it must be on the second Wednesday of the month if you own a primary color car -- all owners of non-primary colored colors MUST enroll on the third Sunday of the month ESPECIALLY if you have a ginger cat. If said ginger cat is sick on that day, then you are eligible for Medicare part 24.b where you will be given FREE dental service -- EVERYTHING is FREE, except most things to do with teeth. If you still have teeth and desire Medicare part 24.b, make sure that you are NOT enrolled in Massachusetts (or if it is a holiday, any state beginning with the letter M), because most people do not realize that realizing things can cost you more than enough money to get all that is almost coming to you. And the mostest biggest "gotcha" is today which is the day that you are reading this unless you still have that ginger cat, in which case it is far too late unless you are reading this last week. This "gotcha" INCLUDES all you can eat FREE buffets from 3:32am to 3:34am in most dine-in restaurants, UNLESS you have money or must pay with a credit card. It is important to remember that wet paint can be substituted for not-so-wet paint, if you know what kind of hat to wear to the parking lot if it is storming outside and no one is watching. Failure to notice this will mean immediate forfeiture of all the things that you found handy about the house or two days notice of which is friendly again for the sake of all seniors in the need of special Tuesdays "progressive certification" for a while, or not, which ever comes first.

I am older and bogged down in my current day to day business and listening to this video makes me feel like I could lose my life savings if I check the wrong box, at the wrong minute, or the wrong category. The words "Gotcha" and "Tricks" makes me nervous. All I have to say is keep this lady in your favorites.

Social security benefits for seniors are an essential safety net for many, but it's also crucial to plan ahead and invest wisely for your retirement. Diversifying your investments across can help build wealth over time. It's never too early to start saving and investing for a comfortable retirement. I’m 63 and my husband 65 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income.

I recently turned 65. I have a pre-existing condition. I'm healthy, but was born with a birth defect that I need period 'maintenance' and equipment. I went with part A & B and chose G+ high deductable. The math works that if I use the supplemental G, paying the deductible and the low payment was CHEAPER than the regular G. This works for me. Typically I need expensive equipment/treatments every couple years, the rest of the time I just do annual physicals. BTW .. the company with the G+ said I had to wait 6 months before they would cover a pre-existing condition. For my situation I wouldn't touch the Medicare Advantage plan with a ten foot pole. Reasons: 1) you have to take a doctor in network. What if I need a specialist not in network? Not covered. 2) Every treatment has to be APPROVED. They can say no to a treatment you need. That right there is the reason to stay away from this. Insurance companies doing the Advantage plan are paid a set amount by the government for your care. It's in THEIR best interest not to get you treatment and incur costs.

I happily worked with the Abt team when I turned 65 last March. Settled on Medicare with supplement plan N. I was VERY healthy, on no meds. 20 days into March, despite having no symptoms, a standard test led to diagnosis if a very aggressive stage 4 cancer. So now I am in chemotherapy and immunotherapy. The lesson here? I am still super happy with my decisions! I am approved to get the most effective treatments, and I pay $20 each month when I go in for infusions. No prob. If I was on an Advantage plan I very likely would be denied some treatments, and I would pay more for what I did get. 😊

The real "gotcha" occurs when a Medigap plan "closes the book" on a group of policy holders. When this occurs, no new signups occur. And then this group of policy holders are left to grow older and sicker, while the insurance company makes dramatic rate increases. This is the real "Gotcha". I am one of the victims with a Plan G policy from Mutual of Omaha.

I got an insurance advantage medicare plan.... a broker helped me chose it,... it DID NOT COVER MY AREA... I'm disabled I don't travel out of town... I had no usable insurance that year. REGULAR MEDICARE IS FANTASTIC!!!!

Wow as an insurance broker for 35 years I applaud you for doing this. After reading some of the comments it is quite clear that most people listening to you just don't get it. Your best advice ,work with a professional broker. Our services are 100% free people

Medicare DIS advantage plans should be outlawed. Maybe saving up front but if you actually need care you are very, very likely to be denied. As an NP I’ve seen lots and lots of buyers remorse

I got the hard-sell on the 'Advantage' plans ..... but did not desire an HMO-type plan. Very happy with Traditional Medicare with Supplement. Not restricted by Network or plan manager. Free to see who I want .... where I want.

My 73 yr old disabled husband got frustrated by the increasing premiums of his supplemental insurance, so he thought he would try a Medicare advantage plan instead. I was very nervous about his decision because he has had numerous surgeries and would never pass underwriting w any company 🤦‍♀️. I shared a few very informative Utube videos w him and showed him that he had given way too much power to the company rather than his Dr. Fortunately he is within the 1 yr trial period so he decided to get out asap.Whew!!! We’re both relieved 🙂 1:35

I work for a hospital doing pre authorizations. So many people get the cheapest plan. They don’t realize that those plans don’t cover everything or they have a huge deductible. It is so confusing for the average person and many the brokers signing people up with will say anything to get sale.

The one thing that would help seniors is if Advantage plans were not called Medicare Advantage Plans. Seniors hear the name and assume they have the same rules as Medicare. They are just optional Insurance Companies who can and will deny certain things deemed unneeded. A panel of non doctors look at doctor suggested treatments and decide if it is needed. Well guess what there whole job is to make money and they can choose what is not deemed necessary even though your doctor says it is.

For several years, providers always asked me if i had a suppliment. I saw a video for medicare suppliment G. For 4 years, i have never had a copay or any out of pocket expenses at all. Get the supliment G, never pay any fee again. And i have have a lot of surgeries, and out patient procedures.

This is so complicated, why don’t they make simple for older citizens 🤦‍♀️

When a commercial for Medicare Pt. C came on the TV and the actor said, "I enrolled to get everything I'm entitled to," my dad used to say, "That's what I'm afraid of."

Like the U S tax code and an average telephone bill, these “plans”, and bills with so many rules, regulations and “if you do this, you need to or can’t do this” scenarios, are intentionally convoluted and confusing to the average person, in the hopes you will just grow frustrated and give up searching for the best price, plan , or tax advantage, ultimately costing folks way more than they should. All the result of rules and inclusions inserted for and by special interests, by a bloated, corrupt and inefficient government bureaucracy.

I have Medicare advantage with Connecticare and I’m very happy with it. I do pay 23$ a month for dental which I think is a great price. Compared to the high deductible plan I had thru work before I was 65, I’m thrilled with my insurance. There’s a one a year hospital copay of around 400$ if you go in hospital. So cheap. I don’t know why people don’t like advantage. I love it.

So glad I live in a country where healthcare is free.

I did a lot of research before I retired and chose Medicare plus a Medigap supplement plan. I have a separate Part D plan for drugs also. The thing I didn’t realize was that fact that Medicare Part D is not permitted to negotiate drug prices like the private insurance I had while employed. My wife has RA and has been on a drug called Enbrel. I had a $50 copay for a months supply thru my insurance at work. When I retired, the same one month supply was $1000. That’s insane but I have to pay it. I learned that the drug companies are responsible for getting some sort of anti-trust legislation passed years ago to prevent Medicare from negotiating prices. The drug company lobbyists contribute millions of dollars each year to keep the legislation alive.

Took me years to learn my health insurance lesson. Medicare supplemental G plan allows me not to waste time with a primary care that has limited knowledge. I choose specialist anytime I want any State anywhere and sometimes out of the country. It does cost you more but it is definitely worth it. Medicare advantage locks you into your neighborhood and you can't get out, and they dictate your doctor referrals😢

Love, love, love your information. Here are some (approx.) dollar amounts: Medicare Part A = free, Medicare part B = $160, Medicare part D (prescription) = $12, Medicare's Medigap part G = $170. These four items add up to (approx.) $342/mo. per each person that needs insurance. The average Social Security monthly check, per person is $2,485 and when people see that $342/mo. insurance premium they panic and pass up the great opportunity that is in front of them. The sharks move in and call themselves Advantage Plans. The only advantage to for the Sharks and they have the right to DENY your doctor's recommendations for coverage, until you eventually die from the ailment, which the doctor has said was there all along. The doctor isn't going to treat you, if the Advantage Plan denies your problem exists, but your teeth will be clean.

Outstanding video. I originally signed up for traditional medicare but also for a very inexpensive supplement that only covered 50% of the 20% that medicare did not cover. I was okay with that, because I was/am very healthy. This year, I decided I wanted better coverage, and found a good price on a supplement that provided much better coverage for the 20%. What I didn’t know, was that I had to be approved by underwriting because I was going to a supplement with better coverage than what I originally enrolled in. I had NO idea that I had to pass underwriting to go to a better plan. I thought I could switch supplement plans to whatever I wanted, once per year. NOT SO! Luckily, I am still healthy. But I am so glad I now have the better supplement, and luckily at a good rate.

Good advice shared in this video. Don’t go down the Advantage plan path without fully understanding what you are signing up for. Need to think long term when deciding your health care insurance needs post 65.

You are good. I had a Medicare advantage plan and after 9 months wanted to switch to original med. and get a supplement. I was told by 3 agents that I would have to go through underwriting. THEN, I found an agent who told me about the trial period which I was eligible for. You are good. You are honest.

I'm even more confused now. The US medical system is just insane.

When I first signed up for Medicare, I thought that the Part B premium was $164.90 per month and I set up a checking account to automatically pay the premium. What I didn't know, and what Medicare did not tell me, was that the first $742.50. Fortunately, there was enough money in the checking account to cover the first premium. I feel sorry for people who are not prepared for that.

I am 75, been on an advantage plan for 9 years. I have had health issues and am extremely happy with my plan. Just a few of my benefits: Primary care is free, Tier 1 drugs are free, specialist are 30$ copay, 60$ every quarter for OTC drugs, 2000$ per year dental, 10$ per month reduction in Medicare payments. These are just a few of the benefits. I have had total knee replacement, hernia repair, melanoma surgery, and my advantage plan has been outstanding in all cases. Approval for treatment was immediate and I have never been denied a claim. I am covered for emergencies if traveling. Advantage plan has a 5 star rating. My wife is a retired nurse practitioner and we both have advantage plans.

Never ever get a Medicare Advantage Plan.

The entire medical system in the US is absolutely ridiculous, insanely expensive and purposefully made confusing and cumbersome. If you are totally irresponsible and do not work you are put on a pedestal and everything is FREE for you... What a joke.

I had one back surgery and two hip replacements. I didn't pay anything out of pocket with my traditional Medicare and supplemental policy. Well worth the cost of the policy! Also, no hassle to see a specialist.

They will either get their money up front (Supplement Plan), or as you go (Advantage Plan). You will pay. These companies get around $10,000 to run your benefits, and its just a fight for them to see how much of the $10K they can keep.

"Advantage" may not describe reality. I have seen several patients die while finding the primary care doc on a Saturday when the patient is visiting a rural area a couple of hours from tertiary care. Some plans are so loosely designed and funded, hospitals in plan may not have the needed specialists in plan so needed transfer for a broken neck, heart attack, stroke or complicated trauma doesn't happen because no hospital will accept the patient. Small plans will say, "Just fly the acute appendicitis patient back to Nashville." The profit margins just don't make sense in managed care and there are too many billion dollar executive suites all around the country.

This lady is clearly worthy of our business and i just hope other people can see this as much as I have been able to. Not everyone out there is a scam artist but there certainly are plenty of these types. I am glad to see this lady is so honest and informative. I predict she will do most excellent in her endevors!! I will be calling them asap.

I've had both now. I'm currently on Original with Blue Shield plan G extra and Wellcare part D. I'm turning 73 soon. I had SCAN Classic Advantage Plan for almost 8 years. Both plans have advantages and disadvantages. Just know your decision at the beginning is extremely important and you must understand the differences in them. Use a good experienced agent who specializes in Medicare. There are many resources to help guide you. Stay sharp and healthy. It's always about the money unfortunately, but good health care is extremely valuable as one ages.

One trick they use on prescriptions is to have an "in-house rule" which caps how much of certain prescriptions you can have per month. The doctor writes you a script, not knowing about this cap. So Medicare denies coverage for lIfe-saving meds FOR THE REST OF THE YEAR! They dont contact the doctor and explain that if she fills out the script differently, that the original amount would be covered but you have to use specific wording to breech this cap. So your loved one suffers for months and months because to pay cash for the script is around $28k PER MONTH! Months later, after dozens of phone calls, someone with a brain in customer service at THE PHARMACY says "Hey, I think if your Dr. re-writes this script with these specific words, you can get coverage again". So you call the doctor, she takes TWO MINUTES to rewrite the script and her assistant sends it in. A day later, it's approved. By now, your loved one is exponentially more ill than 11 months ago, but at least we've got something. IT'S A NIGHTMARE. And for some people a death sentence.

Very informative video. I'm only 62 right now, but as I approach 65, I will certainly be calling you for more information.

it pisses me off how confusing they make things. just take care of our elderly... why does it have to be all convoluted! I'm so angry.

I will tell you my wife on Medicare and recently had emergency surgery. The bill was very high but I was pleasantly surprised Medicare paid all but an amount that I consider fair. Everyone shoots down Medicare but I can tell its better than alot of employer health insurance.

Part C plans ("Advantage plans") give control of your care and medical benefits to an insurance company.... never a good thing.

Thanks for sharing this IMPORTANT information. I turned 65 last year and was pretty well versed after working in medical practices for 25 years, so I resisted the hard sell of MAP. Even when I found a broker I liked, she gently tried to push me by saying it would save me money. If somewhere down the line I can’t afford my supplement, I can always move to a MAP; doesn’t work in the reverse situation. Thanks again, I’ll share your video with friends and family.

My biggest shock after taking Medicare, was that I had to keep paying for it, after I paid 1.5% of my income (as did my employer) my entire working life. I thought the taxes/payments would stop when I took Medicare, like you stop paying for Social Security when you start getting it. Instead, your Social Security payments are reduced (by about $135 per month; you can look it up) to pay Medicare. To to forthright about Social Security payouts (when planning for retirement), every discussion should mention they will be reduced permanently. The estimates the SSA puts out should include this shocking information, otherwise they are misleading every single recipient. Shameful!

I have saved this video for future reference. My wife and I did work with a very knowledgeable "agent" who warned us exactly as you did about the types of plans and all the considerations which must be taken into account for a good plan selection. So far we have been well-served by our selections (Govt. A&B, K + AARP Supp.) due to her guidance in this "minefield" of rules and regs. You are doing a great service to seniors with this video warning them about the pitfalls and penalties that ignorance can slap onto the unwary and ill-advised purchaser.

Good to hear from someone who really understands their product! I am 63 and, God willing, will face this decision soon. I was already suspicious of these advantage plans because of the commercials on TV and unsolicited phone calls. Now I understand the "gotcha". Thank you, Stephanie!

I've had a great Medicare Advantage plan for 15 years in the suburbs where there is competition and plenty of providers, but friends further out in the country do not have very good options.

Advantage Plans prevent patients from getting needs due to many providers not accepting their plans!! I have seen it happen!

30 years in executive healthcare finance I've see it all. My suggestion is to stick with traditional medicare along with a great supplement. EVERY TIME I've reviewed an insurance company try to sell you something that looks to good, smell it carefully. Do your best due diligence. They almost ALWAYS try to sell you the products that give them the best commission and their company the most profitable products and it usually causes the customer the worst financial outcome after the sale. I've had many 'lively' discussions with insurance companies who told their clients they were not covering some hospital charges. My response was "these incredible Drs, Nurses, and All the Ancillary staff worked around the clock to save your life and restore your health! If you need medical attention in the future; do you want a trained HEALTHCARE professional to treat you? Or do you want a professional insurance company to treat you?" Research these companies products and know what you're buying. And remember another critcal point: What transpire with your insurance company's reimbursement policies is between You and Them and not between Them and the Medical Professionals. In the end is the Patient's (Your) responsibility.

Ur comparison of discussing the cup holder instead of the performance of the vehicle was right on. I have never been more frustrated and stressed than when Aetna took over my health care (or lack of it)

Why do they have to make the selection process so convoluted? At the age of 65 or older, all of these “If/Then” questions and time constraints only provide more stress to the retiree. We all know that stress is the number one killer. Maybe this is the ulterior grand plan - to kill off the masses with stress

I'm definitely medical insurance challenged. I better figure this stuff out. I'm 71 and in good health thank God. I'll try and educate myself with your videos.

I truly wish there were public statistics on complaints around the Advantage referral process for specific Advantage plans in any given state, THAT is the primary decision factor which seems to be what is truly unknown for people. Or at least state rankings around complaints for such.

Wow! I'm so happy your channel showed up in my feed. I'll be eligible for Medicare in less than 2 years, and I already know that I'm going with traditional Medicare. I work in the mental health field, and I ONLY accept traditional Medicare. Here in Colorado, we (healthcare providers) refer to the replacement plans as "Medicare DISadvantage." I feel bad for the folks who were lured in by "special cup holder" you mentioned. These plans are awful, and are absolutely NOT an advantage to the people who have them.

I’m 75 with good health and no chronic problems. I don’t have a PCP by choice. I have Advantage plan which gives me a free gym membership. I exercise everyday. I get my blood analyzed every now and then to check my health. If I had a problem then I’d go to urgent care. I’m going to die so I really don’t need a doctor to treat symptoms with meds or get vaccines.

Retired a couple years ago and went with the Medicare Advantage plan, big mistake if I needed a specialty doc like ent, gastroenterologist. They tell me the doctor is no longer accepting new patients but the other specialty doc’s in the advantage plan suck. I’m going on regular Medicare after this year. Btw, I called Mayo Clinic in Scottsdale and they only take regular Medicare, they will not accept anyone on an a Advantage plan….. Wow!!

On an Advantage plan now, too late , time wise, for me to change. Wish I'd seen this video a few years back when I was first eligible.

Daughter of a elderly mother: NEVER EVER GET ON ADVANTAGE CARE!!! Or MANAGED CARE PLAN!!! Get a “social security supplement” plan and NEVER get turned down for anything your doctor says you need in any state and some overseas!!! It’s worth it if you just use it ONCE!!!

I had a friend tell me about you and the insightful videos you put out to help seniors. When I get closer to that decision age I will seek out your help. Thanks for being here on KZfaq.

I ended up going with a Humana HMO plan and it has been pretty good. A year and a half ago I ended up in the hospital for 2 weeks and had 2 surgeries, initial bill was 98k I had to pay 2% of that. A few months later I had another surgery (follow up to the previous ones) and spent 4 days in the hospital and only had a $350 copay for it (no idea what the cost was on that one). Dental is not great but few plans cover much.

I work in a sector of healthcare that requires pre-authorization for patient stays. We call Medicare Advantage plans Medicare Disadvantage plans. Its tough to get those patients into our unit. Many end up in a nursing home with all the attached “blessings.”

I have part A but I'm not taking part B I'm not paying $165. per month, for something I only use like once every 5 years or so. If you pay cash there is about a 40% discount. If your on Medicare then the bill is inflated 40% and your stuck paying 20% of that bigger amount. Have you ever been hounded by sales people in your life and they were trying to do you a favor.

Thank goodness i have Tricare for life as a vet so that covers the Medicare gap!

I have a Medicare advantage plan. I would really like the medigap but being poor I can’t afford it. I do get the free gym membership. The gym is close to my house, it gives me something to do without spending money and the $250 a month tuition scholarship for the grandkids is kind of my motivation to show up at the gym. Plus in the summer I can go to the gym at the hottest part of the day and turn off my home air conditioning. I trust my health insurance broker. I’m hoping he’s put me on the right path. I’m still broke but with the no premium payment at least I can afford other luxuries, like food.

"When going on Medicare for the first time....." How many times does the average person go onto Medicare? Big fan of our Original Medicare plus Supplement. We had a couple hundred thousand dollars in medical bills a few years ago, and outside of the Part B deductible and a few hundred for some medication that was only partially covered by our Part D plan, everything was covered. We were told by more than one case manager that we were really fortunate to have the coverage we had because they are constantly fighting with Advantage Plans trying to get coverage, due to bean counters who insist on pre-authorizations, chosing the cheapest options (even when they are not the best option), and down right denying coverage. Yes, it's a bummer that eye and dental aren't covered, and you have to pay three premiums, Part B, Suppliment and Part D, but it pays off when something really happens.

Traditional Medicare and Plan G . Plus a drug plan. See any Doctor or go to any Hospital no network . Pay the 240 part B deductible and all other charges that are Medicare Approved are paid.

I screwed up and got on an Advantage Plan! They turned down everything, even a chest X-Ray. I was very lucky at 70 and got underwritten and OK’d for a supplement plan. Plan G. It is expensive, but worth every penny. Have to pay dental, prescription, hearing. So that’s extra. Around $200.00 a month total! Boy, was I lucky to get on!!!!

Thanks again for your insightful and informative vids: Bc I watched, I protected myself from someone hustling me into a well-known Advantage plan: The person didn't know anything other than maybe her need to make sales. Thanks again.

I just found out that the government gives over 1000$ per month to the insurance carriers to sign up and cover customers on advantage plans plans!

This is such a great video, chucky jam full of super inportant information. The inportant thing to remember is Nothing is free 😮 Insurance companies want your money or premium but .... They not want to pay for the care you need Its all shell game.

I am so glad that I used your company to get medicare. I can't imagine how complicated and how easily someone could be tripped up by all the gotcha's that are in place. thank you!

I opted for an Advantage HMO because I could not find a doctor in my area who was accepting new Medicare patients. And my own doctor refused to see me for the same reason. I guess Medicare doesn't pay doctors enough to make up for the paperwork burden?

Also....avoid Kaiser.

Thank you for presenting this complicated information in a very straightforward manner. I am still five years away from Medicare but it’s important to start learning about the process now.

So glad to see a fellow agent talk about this. I’ve been presenting to my clients about this since I started in Medicare (20 years ago now 😮). Good video!

You do realize this issue would go away if our federal government would simply require the health care industry to accept as payment in full the Medicare Part B fee schedule...

Why go with a plan that pays profits out of your money? I want my money to go to my care not profits

rocked the subject, i gotta say. You really have a knack for explaining things so freakin' clearly! I'm so glad i contacted you a couple of years ago, and am so happy with my plan, but i still watch your videos because you are so good at this. Thanks

I did the trial right #1. I found out about it by doing my own research. I read the Medicare book and decided to leave my advantage plan for a supplement and original Medicare.

Thanks for the information! It's all so ridiculously complicated!!! And it seems intentional!!

My wife and I paid for supplements for two years until I retired at 67. Then we switched to an advantage plan. We were paying over $800 a month and have been paying $0 for the past three years. That's $28,000. All of the hospitals in our area accept our carrier. We pay $20 to see a GP and $35 to see a specialist. I just had surgery with follow-up for $35. We get all kinds of screenings and diagnostics at no charge. I don't understand why people think it is a scam.

I posted it on Facebook and will use this info to educate myself and have a basis for asking more questions when i call

Never get an advantage plan.

Can't speak for others, but my advantage plan has been great, and saves me a lot of money cause they reimburse my Part B premium every month!

Interesting! At 63 I dread this. Have to study so insurace companies don't kill me.

I am so happy that your video popped up on my feed. I appreciate the way you presented the info. Like and subscribed.