I have plan N , will keep til gets too high then will go to MA PLAN

I am over 65, still working, and have company health insurance with drug coverage. Now I want to apply for Medicare Part A. However, Medicare Part A will be backdated 6 months. This means if I apply in July, the effective and eligible date for my Medicare Part A is January. The no-penalty Medicare Part D enrollment timeframe is 63 days after becoming eligible for Medicare. Even if I apply for Medicare Part D in July, it is way past the 63-day window. Am I at risk for a Part D penalty because if I apply in July, I am eligible for Part D in January? Secondly, how do I know if the drug insurance under my current health plan meets Medicare Part D standards? I have contacted our HR, but no one knows about it. I am looking forward to your guidance.

I just found your channel and it is full of great information. Do you have any tips on how to become an independent Medicare broker? I'm in Az

I’m now working with the federal government. I’ll wait to retire till I’m 76, God willing.

The Feds should NEVER allow a provider to “leave the network” in mid year. This should be illegal.

So, the question you should be asking “does the doctor take Medicare?”.

I am over 65 and work for a large company. My employer based health insurance ends on 12/31/2024. I would like to sign up Medicare starting date 1/1/2025. When can/should I sign up Medicare (SEP)?

Absolutely ridiculous that seniors should see $400-500 deduction ea month from their SS checks for MEDICARE INSURANCE. They should pay ZERO. This country pushes the elderly to the side after they've given their entire lives paying into building it. Then non-Americans waltz in and get these benefits for FREE. Soon, 50% of our SS checks will go to taxes, insurance, and 'deductions'. Something is terribly wrong here.

Just wanted to thank you for your videos. I have made it a goal to watch a video a day on Medicare and social security. I am turning 65 in a few months and plan on still working. I feel much better educated and better informed to make correct decisions when the time comes.

Started Medicare at age 65 in 2018 and went with plan G. It was $126 a month. Since then, I have changed G plan companies twice from the original company due to high-rate increases. This year my AARP/United Health plan ballooned from $179 a month to $211. I was done with plan G and at age 71 went on plan N where I am paying $113 a month. Fortunately, I am healthy and every time I have gone through underwriting I passed easily. My friends are not so fortunate and are now stuck. One has even contemplated an Advantage plan and upon asking what I thought about that, and I replied I personally would rather crawl a mile over broken glass before entering the managed care route.

THANKS QUEEN

I like you to help me with this. Ive been disabled since 2016. I am on advance plan. Have lot drs i got to see due to health. So is it best to go bck to original medicare in my situation? And also do u still get OTC benefits being on orginal medicare and is there better and more benefits being on original? I am only surviving right now. Please answer TY

Thank you a lot for this video. This is very interesting and informative. Keep posting like those amazing videos, this is awesome.

Drop them.

I will turn 65 in late July, and what should I enroll in if I have Medi-Cal and don't?

Let's not forget the disadvantage plan will fight you if you need any lengthy rehab or cancer treatment. With disavantage you will call your funeral home if you have any costly condition because they will force you to do PA after PA to obtain your treatment

Pick the disadvantage plan so your CEO can earn at least 20 million. I can't bear to see my CEO not earn over 20 million

So social security is for paying for these coverages. So how do we pay our other bills.

Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $800K in the stock market, experiencing fluctuations without substantial gains.

What if your employer has 20 employees, but only 10 are insured through the company? many are on their spouse insurance and didn't need to enroll through the company.

Here is the compelling case for choosing regular Medicare with Part D and Medigap if it's financially feasible. Here are some key points: Direct Access to Specialists: Regular Medicare allows you to see specialists without needing a referral from a primary care doctor, saving time and reducing hassle. Medication Coverage: With Medigap and Part D, you have coverage for prescription drugs without needing additional approvals, ensuring immediate access to necessary medications. Simplified Approval Process: Traditional Medicare usually involves fewer pre-authorization requirements compared to Medicare Advantage plans, making it easier to get the care you need without delays. Flexibility and Peace of Mind: Regular Medicare and Medigap provide the flexibility to choose your healthcare providers and receive care anywhere in the country, which is invaluable if unexpected health issues arise. For those who can afford it, the combination of Medicare, Medigap, and Part D offers comprehensive coverage with fewer administrative hurdles. However, for those on a tight budget, Medicare Advantage can still offer substantial benefits, despite the potential for more restrictions and approval processes.

Dental Coverage should be included under Medicare as well as the supplements

I don't care about medigap because its only for the rich, middleclass can't afford medigap, so they take the Medicare advantage plans which is just fine with me. just wish all could have Medicare for all, are politicians are owned by billionaire donors so that will never happen because all politicians care more about donor money over saving human lives ,other than Bernie Sanders

Does anyone have a long history with Mutual of Omaha rate increases and how they are

Does this company sell dental?

I had multiple myeloma and leukemia ALL cancers and thank God I had Plan Each time I was in the hospital the deductible for Medicare Part A inpatient hospital services in 2024 is $1,632 per benefit period was covered. You pay this amount each time you have to enter the hospital for a while, so Plan G for those who have to sometimes end up in the hospital that amount of money you would pay each time is covered time by Plan G. Going to the doctor is simply see you. How many monthly premiums does that amount of money pay for? Many. Also, I know we even have to think about how much money I’m spending to see any doctor because it’s covered for 100%

Do you have to undergo Underwriting to go from a supplement to an Advantage Plan? Also how stable are Mutual of Omahas rate increases.

Are you licensed in Florida?

Hi, your video was very helpful. If my spouse has insurance that covers me and I still work full time, does that allow me to delay signing up for A and B. I turn 65 in January. Thanks! Mitchell

Just started following you!

Never go with an advantage plan unless you have no choice.

Thank you for the info

Not a good video… title is misleading… you are running people off by not being truthful.

But illegals are covered 100 percent .

Question. Doni need am agent? I am thinking when I stop working I will go on medicare website and pick the plan I need for supplement and gap. Would I be going through some agency or is that automatically assigned by medicare?

Can you please make a video on 816/day lifetime reserve days ?

Medicare is no good

This is out of control. Not enough Boomers to support the medigap plans. They won't admit that.

Question- If you pick an Advantage plan and then change your mind...can you still go back and change to a supplement plan during an open season (with no medical underwriting) if you are still within the initial 6 month window? Or do you lose the supplement plan (no medical underwriting guarantee) as soon as you enroll in and try an Advantage plan?

Stefanie, I am so glad I found your channel! Congrats on the subscribers. 🎉 You are so easy to listen to and understand. It is truly the reason for your success! I will be calling because I am right at that place of trying to figure my way through all this.

Your videos are always helpful Stephanie. And the Abt Agency is top notch in service, information and competency!

Questions (so many Q's). 1) My 65th birthday is in November. Due to health reasons and unwillingness to move to another university for work, I resigned. I was referred to an agent, D., who said he couldn't enroll me in an ACA plan in the interim, but referred me to B. saying he was a good guy who would take care of my needs. B. told me he is working on his own. Q1: Is this feasible? He texted me on Sunday. And he said he was working 7 days a week. Would you recommend continuing to work with him as a solo broker? 2) B. did a great job and was very reassuring when he signed me up for my interim marketplace plan. But overwhelmed me when we reviewed potential Medicare plans. I had so many questions. I watched him filter my options based on my current unemployed state and couldn't find one plan that accepted all of my providers (especially my PCP). Since I wasn't being enrolled, he sent me a link to a government website (not helpful) and said he would contact me in August. Feeling a bit obligated since he spent a few hours with me. Q2: I'd like to shop, other brokers instead of going with B., since he is the first broker I talked to. I would like to fully educate myself about my options. If I am upfront about it, would a broker be willing to review plans if I don't commit to working with them? What would be a reasonable amount of time they could give me? Q3: If brokers aren't willing to give time to a person who isn't committed to enrolling with them, is there a way I can review plans myself? So glad to have found your channel! You've demystified Medicare plans for me.

Medicare should be the only plan we have after we work all our lives and retire. No extra supplement plans for dental, vision we have to pay for.

Thank you, Stephanie!

Are you available to call to compare ChampVA to Supplement Plan F? I want to cancel F but am very cautious above coverage's. Thanks

Thanks for the info I appreciate it and I'm leaning Plan N now because of your video.

New subscriber ! I don't have medical insurance where I work, but I'm covered on my wife's plan. I wonder how that affects me ?

Congrats on your 100K+ subscribers! 🤩🙌 Wife & I both turn 65 in 2024 and chose to go with your team. Absolutely the best decision of this year. We went with the best medigap plan for us, a Plan "N" plus a prescription Plan D. My wife & I thank you!

Thank you👍

My husband and I have the original Medicare plus Empire Plan. The Empire Plan takes out $750 from my pension for both of us every month. It's very high but my school district (I'm retired state employee) refunds us the Medicare Part B. After refund, we pay $402 total including medicines.