$10,000 deductible with $850 monthly premium on Marketplace = nope. Switched to Catastrophic (now called short term), same deductible though, but $350 monthly is fine. No need for "essential" services.
@ryebread447Күн бұрын
I have a very specific situation. Wonder how i find advice for that
@jolangan97402 күн бұрын
What about the obesity problem in America? Medicare will not cover any weight loss medications and that is so sad. Obesity is a disease! I am currently on a weight loss journey and am responding well on zepbound(tirzepatide) by Eli Lilly. I about dropped to the floor as to the cost of 1036.00 per month for 4 weekly injections. I’m on SSD. My health is at risk. So thousands of people like me are forced to use establishments who use compounded versions at less than half the price. I’ve lost 48lbs since April ‘24. My A1C is down, my osteoarthritis doesn’t not hurt nearly as much. My bp is down. My mental health has improved. So many great things happening! But if I opted for bariatric surgery I probably would have been approved back when I was 48 lbs heavier. I don’t understand. Why is surgery approved but a simple weekly injection not covered. I read Medicare part D is still back in the 90s when Phen phen was introduced and caused major heart issues and or death. They considered wt loss to be “cosmetic”. When will they finally understand people with obese issues need help and are dying or really sick. Thank god at the age 65 and and struggling with weight all my adult life I have someone dear to me sponsoring my weight loss compounded medication. If I didn’t have that support I either would be on that spiral and continued wt gain or had the sleeve surgery by now. I don’t know about any one else but I rather give myself an injection than going into the ER. I’ve been much healthier and feel better both mentally and physically. I’ve been through denials and denials. How to appeal? Is it worth it? I’m venting and very upset with the system. Thank you for listening! I’m in a quandary. As all the other obese human beings.
@jolangan97402 күн бұрын
Correction; I meant I rather injections once a week than going under the knife in the OR not er******
@Ed-gy3xb3 күн бұрын
Lowered the cost of drugs for the few , only to raise the cost for everyone on Medicare . Nice
@iHealthBrokersКүн бұрын
Sorry you feel that way!
@melyndatowsley25673 күн бұрын
Does money that I spend on drugs that come from other countries count towards getting to the catastrophic phase?
@iHealthBrokersКүн бұрын
Other countries? Could you please elaborate?
@melyndatowsley2567Күн бұрын
We buy certain expensive drugs from the Canadian MedStore and pay out of pocket.
@arthurshingler20254 күн бұрын
Unfortunately none of those 10 drugs are drugs that I use. My drug is expensive too.
@iHealthBrokers4 күн бұрын
I'm so sorry. They are expanding the program next year, but obviously that doesn't help you right now. If you don't have a broker, I would highly suggest working with one during the AEP so that you can compare drug prices on different plans. Also, look into State Pharmaceutical Programs and Pharmaceutical Assistance Programs. Sometimes prescriptions can be cheaper with one of those cards or programs. If you have any questions, feel free to call us at 888-410-0344. We'll do our best to help as much as possible.
@arthurshingler20254 күн бұрын
@@iHealthBrokers thank you for your suggestions!
@iHealthBrokers4 күн бұрын
@@arthurshingler2025 You are welcome. Best of luck to you!
@peterbryand51326 күн бұрын
Corrupt government officials getting kickbacks from corrupt insurance companies and corrupt pharmaceutical companies
@iHealthBrokers6 күн бұрын
There is definitely some work to be done there! Thanks for your comment.
@peterbryand51326 күн бұрын
All lies they are increasing everyone’s premium
@iHealthBrokers6 күн бұрын
There are actually some good things coming! I'd encourage you to take a look at this video for the latest update. Once the plans are available for preview and we can actually see the premiums. We'll make sure to release another video: kzfaq.info/get/bejne/fd6cl7KBzrW3oGw.html
@arthurshingler20256 күн бұрын
Wonder if the specialized drug called Zeposia will be covered...?
@iHealthBrokers6 күн бұрын
Unfortunately it doesn't look like that one is one the list for 2025. They'll be expanding the program in 2026, but we're not certain what drugs the expanded program will cover. www.medicare.gov/about-us/prescription-drug-law When you make an appointment during the AEP, have your broker compare plans using that drug so you can compare costs. If it's still very expensive, take a look to see if that particular drug offers any type of pharmaceutical assistance programs (some of the more expensive ones do based on your income). And no matter what, with the lower catastrophic coverage threshold in 2025, there still should be some improvement there. If you have any questions you can reach us at 888-410-0344. We know the system isn't perfect and prescriptions can be so expensive. So, if you need help, please feel free to reach out.
@babytalk14046 күн бұрын
Excellent info
@iHealthBrokers6 күн бұрын
Glad to be of help!
@Jaykp123aol6 күн бұрын
I think I’m in love ❤
@iHealthBrokers6 күн бұрын
With the excellent Part D news, no doubt! 😂 Thanks for your comment!
@JoelEspinozaRE6 күн бұрын
Subscribed!
@iHealthBrokers6 күн бұрын
So glad to hear that!
@TheJesp016 күн бұрын
Scary thumbnail lol Great video!
@iHealthBrokers6 күн бұрын
Thanks 😅
@lifemadeeasier6976 күн бұрын
When will info on premiums be available?
@iHealthBrokers6 күн бұрын
Hopefully soon! We'll put out another video as soon as we have more info!
@kaiboijin8177 күн бұрын
Thank you! I will be reaching out!
@iHealthBrokers7 күн бұрын
We're here whenever you need help! 888-410-0344. Have a great day!
@amysson515110 күн бұрын
Wow…too much rattling on about nothing that has to do with the subject. Why am I here again? I forgot in all of the rhetoric.
@iHealthBrokers10 күн бұрын
Sorry you feel that way. Thanks for your comment!
@kenholleran901210 күн бұрын
F insurance. The health care industry lost my confidence with “vaccine “recommendations. The body has a natural ability to heal in most situations.
@iHealthBrokers10 күн бұрын
To each his own. Thanks for your comment!
@simonthompson575212 күн бұрын
Very informative. I’m eligible for COBRA, is that a better option than marketplace? Assume you can’t get PTC on Cobra vs marketplace?
@iHealthBrokers12 күн бұрын
Usually not. With COBRA you can expect your premium to (at least) double what you were paying when you were employed. I'd be surprised if you are ineligible for any premium tax credits unless you have another major source of income. So, a few things to take into consideration 1) Are you certain you are ineligible for a premium tax credit through your (now decreased) income? 2) Are you currently undergoing any medical care that makes keeping your current plan a necessity 3) How long will you likely need coverage? Could Short term medical be an option. Feel free to give us a call so we can look at all of the options if you'd like 888-410-0344 Great question!
@simonthompson575212 күн бұрын
Thanks for the detailed response. I have 6 month employer paid cobra post my termination, but sounds like market place with PTC will be a good option after that. Thx again
@iHealthBrokers12 күн бұрын
@@simonthompson5752 Oh, that makes sense. Just make sure you time everything correctly. Losing coverage through your employer qualifies your for a Special Enrollment Period BUT losing COBRA coverage DOES NOT! (Confusing, I know!)
@babytalk140413 күн бұрын
Just found your channel. Really informative!
@iHealthBrokers13 күн бұрын
Welcome! Thanks for your comment
@JoelEspinozaRE13 күн бұрын
What dental plan do you recommend?
@iHealthBrokers13 күн бұрын
This video is about one of our clients' favorite dental plans. It is a PPO and they offer very high plan limits: kzfaq.info/get/bejne/mrR8ftBikrKzcYk.html
@TheJesp0113 күн бұрын
Great video ;)
@iHealthBrokers13 күн бұрын
Thank you!
@SarahAshley-q5p13 күн бұрын
Super helpful! Thanks
@iHealthBrokers13 күн бұрын
Glad to be of help!
@gregorybible761014 күн бұрын
Pretty laddy!
@iHealthBrokers14 күн бұрын
Well...thanks! Hope you enjoyed the video!
@sandeeclibanoff393816 күн бұрын
Would you know how to guide a young person in Maryland who needs several preventive screening scans (MRI’s)yearly due to a genetic pre-disposition who is a 5 year cancer survivor and about to age of their parents plan? They just finished professional school and began a new job that doesn’t offer health insurance.
@iHealthBrokers14 күн бұрын
Yes. For this individual since group health insurance through their employer is not available a marketplace plan would be best. Please call our office with a list of doctors, hospitals, medications, etc... We may also want to look into additional forms of insurance possibly to supplement their specific needs (i.e. hospital indemnity plan, critical illness, etc...). Even though this is a young person, given their medical history, erring on the side of the caution would likely be best. Please feel free to call to discuss at 888-410-0344. There is no charge for our services and we are happy to help answer any questions you may have!
@PTPizzaDeluxeOfficial16 күн бұрын
No one is going to see your stupid trend. Use ads, not dead trends.
@stargazer450819 күн бұрын
Our government spent the medicare dollars on other things. Now we are left with sh*tty coverage. That's what happened.
@iHealthBrokers18 күн бұрын
Although Medicare does provide really excellent coverage, there are definitely some MAJOR gaps i.e. long term and custodial care!
@AdriannaNellis21 күн бұрын
And one of the things that she forgot to tell you because her video's probably a scam. I wouldn't be a bit surprised. Is people telling other people? They're eligible for these food cards and utility cards that the government gives. There's no such thing as that nobody is doing that. It's a lie. That's all a scam, it's a scam to get your information. Yes, and you just never get anything else, cause everybody that I have ever talked to, that's medicare parts a in parts b they don't get any of this stuff. Our government don't do anything for its people, why would you believe that they would give you a card? That has like $300050004000 on it to pay for your. Your uh, utilities, food and all this stuff. United States don't give a d*** about their people. And they're not giving you those cards. So when you see these ads commercials, whatever pay no attention, because it's all scam
@iHealthBrokers20 күн бұрын
While there are many scams that target a variety of people, this video is about Medicare scams. We are licensed health insurance brokers.
@chewar753722 күн бұрын
12 month waiting period is ridiculous! Why make someone wait a year if they need a crown...no thanks.
@iHealthBrokers21 күн бұрын
There are plans without waiting periods BUT the point of insurance is to have it in place in case you need it. That is what so many plans have waiting periods. Thanks for your comment!
@chewar753721 күн бұрын
@@iHealthBrokers Anthem seems to be the highest rated for Dental. Only a 3 month waiting period for major procedures. Higher yearly limit too. I got that one. 😊
@iHealthBrokers21 күн бұрын
@@chewar7537 That's wonderful! Glad you found a plan that works for you! ❤
@shyam128022 күн бұрын
....
@iHealthBrokers21 күн бұрын
Hello! I am afraid that I do not understand your question... Are you asking if we are hiring? We do not do medical billing. We are health insurance brokers.
@shyam128021 күн бұрын
@@iHealthBrokers thanks
@arnushawn23 күн бұрын
I have a very technical question about when to sign up for medicare. My birthday is in July and I am planning to continue my Cover California until very last month of Oct, which the 7 months of medicare sign up. Someone told me I should not do that since I receive APTC thru Cover California. The APTC will stop on June. I tried to get the confirmation from Cover California and they advice me to talk to my CPA. Then my CPA does not run into this issue yet. So she does not know. Can you confirm if that is true that I will lose my APTC on June? Thanks in advance for your answer.
@iHealthBrokers21 күн бұрын
You are only eligible for premium tax credits if you do not have affordable creditable coverage elsewhere i.e. Medicare. So if you are eligible for Medicare, you would not be eligible for premium tax credits. Great question!
@arnushawn21 күн бұрын
@@iHealthBrokers Thanks for the answer. So it is based on Medicare eligible date not the effective date. Is that correct?
@iHealthBrokers21 күн бұрын
@@arnushawn Yes!
@iHealthBrokers20 күн бұрын
@@arnushawn Correct!
@JimmieNeedles26 күн бұрын
Thank you for sharing this information! It is very helpful!
@iHealthBrokers26 күн бұрын
Thank you for watching!
@bruceeigsti527427 күн бұрын
never ever get a short term medical plan unless you are really healthy it covers almost nothng
@iHealthBrokers21 күн бұрын
Sorry that has been your experience! They are definitely not for everyone (especially if you have high health needs or want to start a family). There are certainly good plans and bad plans out there!
@GioDeLaPeña127 күн бұрын
This video is a great educational resource for anyone looking to calculate their health insurance expenses through the Federal Marketplace and to learn about Special Enrollment Periods.
@iHealthBrokers27 күн бұрын
Thank you for the kind feedback. So glad to be of help!
@rashafaa-b5b27 күн бұрын
Thank you!
@iHealthBrokers27 күн бұрын
Glad to be of help! Thanks for watching!
@SarahAshley-q5p27 күн бұрын
Link for the fpl calculator?
@iHealthBrokers27 күн бұрын
There are so many available, but this is the one we used in the video: www.needymeds.org/federal-poverty-level-calculator
@user-zs7pu1vx2t27 күн бұрын
This video is a must-watch for anyone looking to gain a solid understanding of open enrollment and SEPs
@iHealthBrokers27 күн бұрын
Thank you so much! Glad to be of help!
@michaelt297427 күн бұрын
Seems complicated to a dummy like me. But I appreciate these videos. I am going to need their help soon as a forced early retirement looms for me.
@iHealthBrokers27 күн бұрын
Oh, it's definitely confusing! You are not alone there. Feel free to reach out whenever you are ready: 888-410-0344. Have a great day!
@emeeperry67329 күн бұрын
Hey, so I'm trying to figure out what the best option is for me because I have to get a ton of work done(cavities and chipped teeth) and a lot of my teeth need to be extracted (like nine) also both my wisdom teeth that have broken off (which one is super close to the nerve) so it's going to end up being very expensive. I was going to get dental insurance to help but don't know which route i should take.. can you help me figure out which one to do? Thanks in advance.
@iHealthBrokers28 күн бұрын
Oh, I sympathize so much! You need a dental plan with no waiting period and a high plan limit. Some dentists may even allow you to submit a primary and secondary dental plan. This may seem like a lot, but if you need a lot of work it could actually save you a lot of money! Please give us a call: 888-410-0344. We can look at all of the options available in your area to find you the best possible plan for your situation. I would also be remiss if I didn't mention a dental savings plan. For that, you would first need to find a dentist who offers is, but it could be another option.
@anthonyD2365Ай бұрын
Will someone just give me a damn Dentist company. I’m 66 have Medicare, which has no dental. I didn’t wanna switch my Medicare because I get another disability pension and I thought maybe it would affect it. I need a dental plan and a dentist. All the reviews I read online are complaints about this and that does anyone know of a good dental plan. A dental plan alone or a dental vision and eyeglass please help thank you. Anthony
@iHealthBrokersАй бұрын
We can't really help with a dentist recommendation, but we do have some good PPO options that will allow you to see dentists both in and out of network. Feel free to give us a call at 888-410-0344. Thanks for your comment!
@gadzillaverzilla1979Ай бұрын
How soon do you need to enroll in health insurance after moving to a different state, to qualify for special enrollment period?
@iHealthBrokersАй бұрын
Moving should trigger a 60 day SEP. I'd recommend checking out the new plans available in place in advance so that you are ready to move forward as soon as you move. If you work with a broker, they can help you identify any paperwork that will need to be provided to ensure your change in insurance goes smoothly. Thanks for your question!
@elijahmeza2479Ай бұрын
One of the best explanations of Hospital Indemnity plans
@iHealthBrokersАй бұрын
Thank you so much for your kind words!
@TheJesp01Ай бұрын
So....not a scam, right? LOL
@iHealthBrokersАй бұрын
Definitely NOT a scam! But there are some pretty common Medicare Scams. Check out this video to learn more: kzfaq.info/get/bejne/iNqFaMKluJuZhKs.html
@JoelEspinozaREАй бұрын
Great video! Thanks!
@iHealthBrokersАй бұрын
Glad to be of help!
@SarahAshley-q5pАй бұрын
Can you link the form?
@iHealthBrokersАй бұрын
Here you go! www.ssa.gov/forms/ssa-44.pdf
@user-rg3tl2px1gАй бұрын
ambulance is 2700.00. in illinois
@iHealthBrokersАй бұрын
Wow! Prices for ambulances can vary but that is certainly expensive!
@njlifeandhealthАй бұрын
Original Medicare is some of the best health insurance you can get, period.
@iHealthBrokersАй бұрын
Well... except for Original PLUS Medigap! Thanks for your comment!
@michaelt2974Ай бұрын
Holy excellent content! Thanks. Love this channel.
@iHealthBrokersАй бұрын
@@michaelt2974 glad to be of help! Thanks for the kind words!
@JoelEspinozaREАй бұрын
Are there any good Medicare Advantage plans?
@iHealthBrokersАй бұрын
@@JoelEspinozaRE it’s hard to make a blanket recommendation but in general Medigap is superior to Medicare Advantage. However, Medicare Advantage plans are much better in Florida than the rest of the US.
@TheJesp01Ай бұрын
If you miss the 6 month enrollment window are you still able to purchase a Medigap plan?
@iHealthBrokersАй бұрын
@@TheJesp01 you can actually enroll year-round! And in certain states, you can enroll at any time without medical underwriting, or at least once a year without medical underwriting. However, in most states, if you enroll outside that six month window, you will likely be subjected to medical underwriting, and could therefore be charged more or denied. Thanks for your question!