After working all your life and paying taxes over taxes, one gets old and the government makes our old age uncertain and uneasy with programs difficult to pay, hard to believe

Learned a lot from this video ,thank you Sir.

Excellent video, very helpful!!

If your a senior and you live alone, get a trusted friend and start calling (if you need a doctor or specialist) and ask them about their extra charges. You have to ask, it's the only way they will tell you. Not just their office charge, but the access charge of 15 percent. I did, and found a doctor and specialist who's office did not charge EXTRA!

TY!

Wow nice video. I’m not 65 for awhile but wanting to learn about it. Very fascinating stuff.Thanks

Thanks, Keith, for your excellent content; it is greatly appreciated!

Thanks

I have researching a lot and I had a really hard time deciding and yes Plan G makes the most sense but after listening to your video now I’m not sure as I live Florida and I got a quote from a local agent for $211 a month for Plan G but of course I would love a lower premium and i’m in good health and turn 65 this month of May and my other decision that was making it hard because I’m a retired Federal employee and i have FEHB and if I get Plan G i have to cancel my Federal insurance but if Plan G covers better i don’t need the extra expense since I will also be paying Plan B premium as well. Thanks I did fill out the form for a quote.

Thank you SO much! Normally learning about insurance is boring to me, but you made it simple, interesting, and informative. I really like that you focused on three plans and care about frugality. You're a great teacher! 😊❤

Useful! The explanation was great. I had a great watching experience. Thanks for such a really useful resource. Keep sharing such amazing information.

@MedicareonVideo

21 күн бұрын

Glad it was helpful!

Very useful ... please cover the Medicare RX plans ... how to know a good deal there. ✅✅✅

Very helpful and useful video. I am 63 so I will be getting in touch with you when I am 64 1/2 I’m guessing.❤ please let me know and if possible, give me your input I want to be very punctual with this and speak with you on my very first day of ELIGIBILITY. I am undecided between Plan B and plan GHD.

Outstanding, didn’t have any idea that a Plan G could come in around 100-120 range. I’m with Florida Blue and the number is much higher. Food for thought, thanks Keith!

Hi Keith. Which supplement are you recommending for Florida 33487? Used to be GHD...

My understanding was that in california you would likely have to deal with a health questionnaire when switching from GHD to plan G, since it is considered moving to a higher status of coverage. If that's true it might be an issue with being on plan GHD, i.e. it might not be easy to move to plan G if you run into health problems?

Blue Cross/Blue Shield has a chart that shows Plan G rate increases. In 10 years, the annual premium will be equal to the Deductible. In 10 years, the premuim savings will be 4 times the deductible between G & G+

What is plan G cost on California?

Great video with good information. Plan G/N in the Orlando area is over $200/$186 per month and of course it goes up with age. You can not change from one supplement plan to another without underwriting.

@MedicareonVideo

3 ай бұрын

Yes, we are a little higher in price down here in FL. I usually recommend plan GHD in Florida.

@maaloufgeorge2926

3 ай бұрын

@@MedicareonVideo Unfortunately with United health AARP, this plan is not available for existing medicare holder. It is only available for new medicare recipients.

Do you assist people to setup the right medicare plan like plan G that need help? Do you charge a separate service fee for your service?

It looks like on chart that the Plan GHD you pay untill 2800$ spent, but at 20min. your saying that is for part A (hospitol) but that Medicare pays 80% and you pay other 20% till 2800$ deductible met?

Do veterans MA only plans have many issues?

If we have part G. Do we still get OTC benefits still?

I have UHC Plan G medigap plan. But my deductible keeps going up and so does my premium. And my RX plan D, I have the same issue. They are eating into my monthly ssa check l. Next year I will not have the funds to pay for my Health insurance because inflation is growing faster than my ssa check. I also have a bery low ssa check per month. Way below poverty. So I may have to switch to an Advantage plan. Because I still have vehicle insurance to pay for. And I have to have money for toothpaste deodorant shampoo’s, etc. And I may have to do without meds and doctor visits and hospital stays unless necessary.

Don't forget the state you live the premiums for Plan G and Plan N, will cost more or less. If you live in East Coast, Southern State from MD to VA., you will be paying more!

I been told to stay on advantage plan. Caz there no Drs local.that will take any other.

Info on va care with medicare?

In your video you didn't cover the other items that Medicare & Supplement Coverage's that doesn't cover,such as vision, dental or prescription Plan D that would increase your overall medical insurance cost if you want those overages which are typically covered under the Medicare Advantage Plans that are typically covered by the $240 Medicare Cost..

What's the premium and total (with deductible) for A, B and G in your area or avarage for 67y old, none smoker male.

That includes drug prices mine over 24 a month

Hey, thanks for your info but you never mention that if you work while receiving benefits and make more than the maximum allowed.....they recalculate the money you have made until FRA and then slowly add those withheld 'penalties" back into your monthly payment! SO YOU DONT LOSE THOSE WITHHELD FUNDS they are just delayed!

I need a headache pill now while listening to this

@liddygirlnm

Күн бұрын

Believe you me, he makes it very simple compared to looking at the charts and trying to decide. The insurance broker wasn't helpful in breaking down like this man does!

I'f I stay with A&B and chose N do I have to choose D also?

@MedicareonVideo

15 күн бұрын

Medicare Part D is the prescription plan. If you do not choose Part D and try to later, you will face a lifetime late enrollment penalty.

I am stunned how hard it was to have a doctor or hospital accept my AARP UHC G plan in Sacramento County. 4 days last week 10 hours on the phone finally right before going back to Kaiser Advantage on Friday at 4 pm I found a doctor. 😡

@MedicareonVideo

5 ай бұрын

It wouldn't have anything to do with them taking UHC Supplement. Only that they take Original Medicare. Medicare bills the supplement company.

@beoz658

5 ай бұрын

​@reonVideo Thank you for the response. I was told by 2 Hospitals and a few doctor groups they only accept Medicare Advantage. After many phone calls and a long talk with UHC I called a person back who had denied me earlier and I said if you accept Medicare Advantage you have top accept original and she laughed and said your right. My head was about explode but I stayed cool 😂 And now I am finally in the system.

@threeftr3349

5 ай бұрын

@@beoz658 WOW, maybe call the hospital speak with a manager, and inform them their staff is giving out misinformation. It's usually the other way, I heard some hospital might be dropping advantage plans, because they often delay payments to hospitals. which can cause financial problems for hospitals. Supplemental plans once they get the bill, they immediately pay for it.

I am hearing that plan N premiums go up less on a yearly basis than plan G. How much difference will there be in plan N to G in 10-20 years

@MedicareonVideo

3 ай бұрын

It seems to track that way- typically plans with more out-of-pocket for the enrollees have lower increases.

Advantage vs GHD is a no brainer. Advantage out of pocket can be $8500 vs 3300 GHD.

Keith: Love your videos and have already gotten a quote from one of your associates. I am turning 65 in September and live in South Florida. I am in great health and see the doctor twice a year for regular check ups. If I understand your video correctly (starting at about 19:00) my Plan G quote is for $251.43, my Plan N quote is for $208.00 and my Plan G-HD quote is for $70.00. . . Therefore, I should take the Plan G-HD option?

@MedicareonVideo

6 ай бұрын

I would choose GHD 100%

@markjeter4578

6 ай бұрын

THIS IS WHY I HAVE SPENT HOURS WATCHING YOUR VIDEOS AND WILL USE YOU AND YOUR TEAM! Thank you for responding so quickly and assisting the public, even if it may not be in your best financial interest! @@MedicareonVideo

@tomm7505

6 ай бұрын

I agree, in Florida, HDG is probably the best way to go.

@stephaniecoulter658

5 ай бұрын

My cousin lives in Sarasota, 66 yrs old and pays $111 a month for plan G thru Florida Blue - this is regular G not high deductible. Your quote seems really high. 😮

@threeftr3349

5 ай бұрын

@@stephaniecoulter658 I heard the state of FL as well as NY are the highest when it comes to Medicare Medicap plans. It does goes by zip code, but FL is just high. I know someone he's 65 yr old male, just got a quote for Plan N of $110 in Arizona.

Not looking forward to medicare next year. I retired at 62. Now i will be enrolled into medicare next year. I will have to have A & B, will need a supplement either G or N, need a drug supplement D, will need a dental supplement? So i get to look forward to having anywhere from $350 to $650 taken out of my SS check. Wow, what a deal! How do they expect me to live on a lower fixed income of that amount? I do fine right now but taking another $350 or more out of my SS a month will be a disaster! What a joke. Only ones making money are the brokers signing all the old people up for these policies? There must be a solution to this?

I wish Florida would come in at those rates. The quotes I have heard are double.

@christinedaley5580

Ай бұрын

South Florida supplement plans are high priced. Some areas more than others. Plan N is usually best value for most in south Florida.

I may have missed it, but you said GHD is exactly the same as F, but- F pays the pt B deductible of $240. Does GHD do that also?

@stevenbullock9276

26 күн бұрын

Never mind, I saw it. 🙄 This was explained very well- better than other videos I've watched. Thanks

MY partner has Medicare A and B, and he also has my coverage through BCBS PPO. right now, we're doing well under that setup. does he need to get a supplement while he's on my BCBS?

@marybouellette9905

5 ай бұрын

if your BC is an advantage plan, you cannot have a supplement. But if it is original Medicare, you may.

@zilam98

5 ай бұрын

@@marybouellette9905 my partner is covered on a +1 BCBS through my employer, in addition to Med A and B. i don't think advantage plans would say PPO, HMO, etc

I am undecided between Plan G and plan GHD….❤

@candeffect

4 ай бұрын

I have HDG for $34 in CA. Consider the incentive to stay healthy. Plan G has very low incentive because of the monthly expense and low $240 medical cost in the calendar year. You might want to get your money's worth. HDG has high incentive to stay healthy due to a little less than $3,000 medical cost. That is a good reminder for me to not be stupid with my body.

Keith - female age 73 years zip 37830 - can you tell me lowest price for GHD. Already Have A & B

@MedicareonVideo

2 ай бұрын

$38 bucks - Hard to beat that! You can fill in your info on my website and we can set up for you - medicareonvideo.com/

Great information, but video is too long. Content could have been delivered more succinctly within 15 mins.

what will cost be for g plan in tx

@MedicareonVideo

5 ай бұрын

Texas is one of the lowest cost areas. For female age 65 usually close to $100 a month. Plan N may be less than $80

@threeftr3349

5 ай бұрын

@@MedicareonVideo Is AZ a low state for G and N? I know a couple who wants to move and retire in AZ at age 65

Thank you so much for your clear explanation and evidence based analysis. I live in upstate New York area code 13413. I’m interested to see the plan G, G high deductible and plan N offered by different company in our area. Wondering if you could kindly send me some quotations. also I’m interested to download your book. Thank you.

@MedicareonVideo

Ай бұрын

We would be happy to send you a quote! If you give us a call at 877-885-3484, Laurel would be happy to go over your options in NY!

How much is D and the copay’s?

@MedicareonVideo

20 күн бұрын

Each plan has it's own premium and different copayments depending on the tier of the prescription.

What bout a person try to get a scooter due to health issues?

Do any of the supplement plans cover prescription drugs?

@RG-hf4et

5 ай бұрын

No, you need a separate Plan D/drug plan.

I can’t do out of pocket for supplement plan.

@alansach8437

4 ай бұрын

The thing to think about is, if you can't do out of pocket for a Suppliment, how will you do out of pocket for deductibles and copays?

I have Mutual of Omaha and they screwed me! They routinely "close their book", thus isolating policy holders into a dead pool. In five years, my Plan G supplement premiums have doubled. The annual average rate increase has been 15.9%. And because of health conditions, I won't be able to pass underwriting with a different carrier.

@MedicareonVideo

Ай бұрын

Give us a call and we can see if there is any carrier we can try to work with- underwriting can be different based on the carriers. 877-885-3484

Yeah Medicare is great! But I can’t afford 284.00 a month

Is the state of Washington same as ny for ghd ?

@NYCisland

5 ай бұрын

No, every state is different for costs. We are in WA and my husband has plan G-HD and pays $48/mon with United American.

@consv

4 ай бұрын

$48 in WA state for hd

@candeffect

4 ай бұрын

$34 with UA for HDG in CA. I won. 😅

I turn 65 next month hot some help with the ship program in w va a d plan with United health plan but is cost me like 220 a yr some drugs st. 11dollars some at 5 ssi sent me a message saying i qualify for help so me questions is they are taking out the 175 starting this month advance payment i live on low income i get help for aloti wsnt to stsy on original medcare im lost do i pay the 20 part

In Central Maryland 67 male none smoker G $165/m N $115/m I choose!! Part D $.40 that's right 40 cents a month

@RG-hf4et

5 ай бұрын

What company is your $.40 drug plan?

Yes Medicare supplement plan is the way to go however in NY Plan N is $242 and. Plans G is $316 monthly, Outrageous and then you need Part D Drug plan, and more then likely a dental plan and vision care. Middle America suffers with inflation sky high. Its no wonder many retire folks go with an Advantage plan..

@MedicareonVideo

5 ай бұрын

FHD / GHD is the only way to go in NY. You can upgrade at any time if a health issue arrises. Take a look: kzread.info/dash/bejne/e3trqbaJgbyuh7w.htmlsi=-204d4tYkozr24bO

@Retiredmco

4 ай бұрын

It's that expensive THANKS to NY politicians.

Is there NHD?

@km-bo3zx

5 ай бұрын

No. I guess the feeling is that there would be little difference between it and the high deductible G plan.

@ssorcm415

5 ай бұрын

Thank you

@MedicareonVideo

5 ай бұрын

No NHD, only FHD or GHD

Hi Keith and thanks for the great explainer here. First, I want to give a shout out to your agent Julia Jones for helping me out with signing up for Plan B coverage. She’s really great. Now my question - and I have to admit that maybe I didn’t go over any of these things with Julia when she was helping me out - but: Do any of these plans cover vaccinations (like flu and Covid), vision and dental? If not, what plans do, or should I reach out to Julia for more details? Thanks again and keep up the good work. 🙂

@MedicareonVideo

6 ай бұрын

You pay nothing for vaccines covered by Part B - flu, covid, pneumonia and Hepatitis B - as long as your provider accepts Medicare

@RReese08

6 ай бұрын

@@MedicareonVideo Thanks. 🙂

@tomconley2458

6 ай бұрын

You will need to purchase stand alone plans for dental, vision, hearing unless you are on an Advantage plan. Advantage plans only cover basic services for dental, vision, hearing. Beware!

Plan n or g up to u

How about poor people? I am 63 and on Obamacare. If A is covered, B costs $174, D is maybe $50 (medicine for glaucoma, and N is maybe $100, that represents a weeks take home pay/month.

@marybouellette9905

5 ай бұрын

Depending on the state you live in, there are programs to help you pay for your Medicare and Drugs. Social Security has Extra help to help you with part D and Medicaid has a program that will pay your part B premiums, co pays and deductibles. But it is all depending on your income.

@NYCisland

5 ай бұрын

Once you're Medicare eligible (age 65), you will not be allowed to remain on ACA ("Obamacare"). If you absolutely can't afford to stay with Original Medicare and pay for a supplement plan, then you go go to a Medicare Advantage plan. These plans are limited with what doctors are in-network. The are also notorious for refusing to pay for high cost cancer treatments. No one knows their future health problems, but if you can't afford these premiums, then MA plans are for you. And like another person replied - depending on your income, there are programs you can sign up for that help pay for Medicare and drugs. Those are run by your state.

Keith’s videos are generally very helpful, but I need to call out the book “Medicare Made Clear”. I get that it’s a marketing tool, but overall I would advise people NOT to waste their time reading it. First off, the book contains numerous non-factual errors, like omitted words, glitchy writing, excessive repetition, some ambiguous sentences, and generally too wordy - making it a painful read. The cynical side of me says that it is intended to get readers to give up on reading it and call Keith’s company to get a quote started. If the book wasn’t so glitchy I could forgive the marketing aspects of it. Even the table of contents has errors - some section titles there inexplicably don’t match the actual content and/or are grammatically incorrect. I think the whole thing could be condensed to ten pages of clear writing, bullet points and/or flow chart to help people navigate Medicare. Get an intern to clean it up and it could be a very worthwhile reference. In contrast, the CMS book “Medicare & You 2024” is very clean and clear. Again, Keith’s videos are better investment of one’s time and are very much appreciated.

Today 2024. No kudos, didn't watch your video. I have only 1 question I have UHC Plan N in California for both my wife and I for $294 per month. I'm moving to Phoenix AZ within 6 months. Where the same Plan N from UHC costs $226 per month. There are no state restrictions. Why doesn't anybody talk about the gorilla in the room. I can save $720 per year on the same plan, same company. Why and how can I get my cost reduced from the same company, same plan ? Am I just screwed ? Why isn't this topic ever discussed on your channel ?

When people fail to take care of their health, e.g. obesity, it costs us all.