Boomer Benefits - Medicare Expert
Boomer Benefits - Medicare Expert
Welcome to the Boomer Benefits channel, where we guide you through Medicare so you can make confident healthcare decisions. We are a Medicare brokerage that has helped tens of thousands of baby boomers with their Medicare plan enrollment across the country! When you work with our team, we stand by you and will provide free claims support for the life of your policy.
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• How Medicare works and what it costs
• Which parts of Medicare you need
• When to enroll in Medicare to avoid penalties
• What Medicare covers and what it doesn't
• How to get free claims support for life
And so much more! Watch now, and don't hesitate to ask questions. Enjoy!
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Thank you! Just researching my education before I need it this fall. This is some excellent information.
Part B is a scam!! I have been collecting SS for 24 years. I have saved about $25,000 during that time by not being duped into paying for services that I should be getting in SS part A. All health so called BENEFITS are a rip off!! Pay for services out of pocket.
Mayo Clinic will have nothing to do with any medicare advantage plan. I personally have worked in the medical billing areas of hospitals and Dr offices. Medicare advantage plans are in a word nightmares, for the patients, the facilities, and the doctors. Go with traditional Medicare and obtain plan G in a medigap plan and pick up plan D for your scripts. That's the headache free way to go.
Plan G is the way to go if at all possible.
Hello…my FRA is 66.5….im thinking of filing for SS at 65…..the annual limit I can earn is $22,320 in 2024….is my annual SS included in this amount or can I earn the 22 K in addition to my 14K SS ?……(total 36K) …thank you
Yes concerned. That’s like charging me double at the grocery to cover the cost of people who buy more. Government needs to stop making everyone pay for everyone else. Another bite at the socialism apple.
If your on a disability retirement and already have Part A Medicare do you have to get part B? Also what if you’re a Service Connected veteran rated at the 100% , who covers what?
If you are not actively working and do not have creditable large employer insurance, you would want Part B to avoid the late enrollment penalty. Additionally, VA benefits are not creditable for Medicare. Medicare Part B would help cover costs outside the VA for medical services.
I am disabled and very ill I have about 7 to 8 major hospital stays a year and 2 or 3 doctor appointments a week with about 12 specialist. With just Medicare I owed 20 % of everything. I have a Humana gold choice plus. I pay 12o a month more than standard medicare. My doctor visits to any in or out of network specialist or family doctor is free. No co pay. My meds teir 1 &2 are free, teir 3.. 4 bucks, teir 4 ..is 10 or 12 bucks, teir 5 is 20%. In hospital coverage cost me 0 per day in or out of net work, out paitent surgery $0, ER vist cost $95, Most test procedure cost 0 to 20 bucks to a few at 20 %. I just came out the hospital for a 5 day stay with a bad kidney infection on vancomycin 2 times a day one of the most expensive antibiotics made. My bill is zero except for the ER bill of 95bucks. I got a $7,200 set of hearing aids last year free of charge 100 % no cost to me. Rechargeable and will bluetooth with my phone stream music all that. I ger 2500 a year to spend on dental, I getabout $300 to spend on my eye glasses. Plus I get a $500 a year flex card to spend on any extra drugs hearing dental or vision.. Because of how sick I have been my insurance sends me 14 free never frozen moms meals a month to my house and they are great. I have gastroparesis and always in the hospital. My gastric doctor at the time wanted to do a feeding tube and just let me die a slow painful desk. I read about gastric pacemakers and talked to a human rep and we found a doctor 6hr from home that said it would help and could do. So I took a train to texas Humana approved it all fast I had it put in. I think I owed $250 humana paid $13000 and the hospital billed...... and thi make me laugh..... $455,000 and they wrote the rest off. I can and have physical therapy I did last year at zero cost following a hip replacement that only cost me a a couple hundred out of pocket. It is no doubt the best insurance I have ever had. I have central sleep apnea it has paid for 3 lab studies one auto cpap $1200 and now one ASV machine that cost over $4000. I have one script that is $1600 a month and only cost me a$12 a month. Several things take prior auths but they are fast often back with in the same day or 3 to 4 at max. I can not say enough good about my Humana Gold plus plan in oklahoma. I have had it going on 3 years and had another humana plan before that that had free monthly cost but it had more co pays but not outrageous. So yes there are some shit advantage plans and then them our some damn good and far better than standard medicare and a supplement plan. SO you can imagine when people just tear advantage plans a new one saying they are all full of hidden cost and blah blah. Just not True I love my plan it has out of network doctors and hospitals as well as great in plan ones. Like I said I have about 12 doctors. Sob far this year alone I have had about 5 weeks in the hospital and almost all of it was covered 100%. So please stop telling lies!
The main thing I spend a few hours a evening for a month or two during open enrollment and research. Don't look at the cheapest plan a month unless you are pretty healthy. Go for one with zero copays on all doctors
I will be selling a rental property this year for a profit. Will this affect my IRMAA for 2026 or 2027?
Hi there, capital gains from the sale of real estate are counted in your MAGI (modified adjusted gross income) and can impact what you pay two years from now.
I currently work but am in ESRD. Do I qualify for any Medicare benefits?
Hi there - yes you should qualify due to ESRD. You can reach out to Medicare for more information on qualifying!
Thank you a lot for this video. This is very interesting and informative. Keep posting like those amazing videos, this is awesome.
Thank you! Will do!
My understanding is that the prescription will be filled if you're primary at the VA Forward to the VA Pharmacy. The problem with the VA is that you always get the information too late. Nothing is up front in subject to change without notice. Right now you may qualify for community Care but it doesn't include transportation even if transportation is medically required . Incidentally community Care is not necessarily in your community.
That is good info!
Thank you.
You're welcome!
What are the exceptions to have traditional medicare continue to pay for telahealth visits after December 2024. I read the information in the link you gave last video and it didn't say. Can you give us a clear answer to this question please. Much appreciated
Hi there - the exceptions are mainly for folks in rural areas. When we hear more, we will be sure to make another video about it.
Excellent. Easy to comprehend
Glad it was helpful!
I used telahealth, and it was of great benefit for me. I don't see any link??
Sorry about that - boomerbenefits.com/does-medicare-cover-telehealth/ www.medicare.gov/coverage/telehealth
Someone, somewhere sat down and figured it out so that it could ALL be stacked AGAINST the seniors. Never in our working years did we have to make insurance decisions to "last the remainder of our lives". This causes me to NOT want to play the game and to NEVER purchase insurance. I have to die sometime. Might as well be in my home whenever I get sick. SMH
We hate that it can be so complicated - we aim to make it as easy and painless as possible. Give us a call if you have further questions!
"No providers within 50 miles." I don't remember discussing this when I signed on. Will not return my phone calls. I think maybe I've been taken advantage of.
Hi John - are you a Boomer client? I am happy to get you in touch with someone asap if so!
@BoomerBenefits Yes, originally I signed up for part B through Boomer Benefits- a Humana Choice Plan for diabetes/heart failure. What I received when seaching for a pcp was 'no providers within 50 miles'- and they want to deduct 2 premiums from my next check. There are more questionable actions going on but Boomer Benefits isn't responsible for any of it. I've moved on- God Bless.
unless your on a DSNP
Yes - DSNP plans can offer different benefits.
They don't take Medicare in the Philippines
That is correct - Medicare only works in the US.
I have a telehealth appt scheduled in July.
You should have no problem having that appt in july!
Does this include advantage plans? And what about medical practices that send med techs to your house and do video calls with a nurse or doctor? Since I don’t drive when I found out about this medical place I became a patient. They do have a brick and mortar clinic tho. I have quite a few medical issues that need frequent care.
Medicare Advantage plans should be able to make rules that work for the plan. It would be best to check with your doctor and see how they are coding your visits to see if they are medically necessary.
I don't see a link in comments?
Sorry about that - boomerbenefits.com/does-medicare-cover-telehealth/ www.medicare.gov/coverage/telehealth
Does the Part B premium get paid on the 1st of the month and is the giveback also applied on the 1st of the month?
Hi there - It comes out of your social security check on that months payment. Typically the buy back does take a month or two to get set up and then you will see it in the same check.
Thank you for the info. I read recently that Humana and CVS/Aetna will be downsizing their MA plans.
Turning 65 in august.I'm still working full time am I required to apply for medicare. I have coverage from my employer.
If your coverage is considered creditable (more than 20 employees), you will not need to apply for Medicare.
Are you saying you can't apply for Medigap until your part B is in effect? Wouldn't this cause a gap period where you have medicare but no medigap?
Hi there - you need to have your Medicare number to apply for a Medigap.
Does plan N pay for physical therapy? Is there a copay?
Yes, as long as it is medically necessary you will be covered. The copay is up to your office and how they are billing it.
I am a 59 yr. Old that was diagnosed with stage 2 breast cancer in 2020. I only have Medicaid for insurance, will be approved for medicare.
Hi Debbie - yes, you have a one time enrollment to Medicare where they do not look at your health history.
BOOMER is wonderful! They are very thorough and knowledgeable and not fraudulent 😊
Thank you! So glad you think so :)
It is a great video thanks for the great information and well delivered. This is exactly what I was looking for.
Glad it was helpful!
Why was my part B stopped?
Hi Janell - did you stop paying your premium?
Look into Cost Plus by Mark Cuban Good discounts
do you know how munch medicare part B coast ? our income around 70000 a year
You should only pay the minimum amount! You can read more here - boomerbenefits.com/irmaa-calculator/
Danielle's KZread videos helped me avoid a world of hurt with using my employee coverage which included an HSA for a while before retirement. Boomer Benefits later helped me to choose Medigap and Part D plans. When I had an issue with Medicare not paying due to the timing of signing up and then having to go to Emergency soon after, Boomer Benefits helped me again. They really know their stuff and can make overwhelming scenarios much easier to handle. I would recommend them to anyone.
YAY - thank you for your kind comment :)
Thanks for taking the time for this.
My pleasure!
Knowledge empowers. The roadmap works better when you know which streets to avoid. Thanks, Danielle Roberts, for your great content!
You're so welcome!
Too confusing. I prefer to stay far away from it all.
We understand it can be confusing! Watch our videos to learn more :)
I got into a total train wreck with United Health, complete FUBAR situation over part B and my address. UH canceled my part B because my address changed to the address I had provided them, where I lived. (Yes, read that again) Apparently I moved to where I already lived, go figure 🤣 The folks over at Boomer Benefits (Catherine H and Jeff B) were able to step in and handle the whole SNAFU like pro's. These guys are rock stars when the wheels come off and that is when it counts most.
That is great news - thank you so much for this comment!
Good Video, Danielle. Thanks. I just started Medicare in April (got my Supplement plan and Part D plan through BB). Just an anecdote: I went to the pharmacy for my refills of two Tier 1 prescriptions a month after I started the new Part D plan. I was ready to give my Part D card to the pharmacy tech and without looking at my card, she said that it's already in their system for my account. She said that it all goes by name and birth date. When I got home I verified under my account on the Part D plan company's website that sure enough there were the two meds paid for. My whole point is that it's kind of scary how all of my info is already "out there" without even having to provide it to the pharmacy. I guess it's like auto and home insurance -- where any new company can see everything that you already have with your existing company???
That can happen! We are glad it worked out easily for you and yes, that can be a scary thing too!
Thank you for the tips. I am a Boomer Benefits client and everything has been fine so far. I'll set up an annual-notice-of-care reminder on my calendar as you suggest. I do not use Facebook but it seems I'm getting all important communications by email, phone call, and here on your KZread channel.
We love to hear that! Yes, you will get emails from us as well :)
Thank you 💯
You're welcome!
I have seen videos of people who don’t do the supplements at all. I wish I could find them now. My AARP G plan will be $3000. A year . I can’t afford that but these people put fear of big medical bills in my nightmares.
Have you looked into another medigap plan?
An insurance peddler. I’m looking for a person like me who has Medicare A,B,D . I’d like to drop the G.
What is your question? She is telling you about other options to G and N. What are you going on about?
What questions do you have? We will help with whatever we can!
I enjoy how you explain in detail all about the Medicare plan system. You are one of the few knowledgeable agents that does not bash on these Advantage plans, and that do understand that they are well suited for many of us. So when October rolls around for the open enrollment, I will be giving Boomer Benefits a call for my next plan.👍
So glad you enjoyed watching our webinar! We look forward to helping you in the fall :)
They don’t pay for what I need
Hi Paula - What services have you found that you are paying for?
@@BoomerBenefits I’m paying for all diabetic supplies when Medicare is supposed to cover it. They won’t pay for my hearing aids or ant dental. They have also denied my claims for phyical therapy that my doctored referred me to.
We’re l can find lnsurence plan that cover “l plants dental” l am on WellPoint now but my plan l used all , l need find another lnsurence that have l plant cover beside WellPoint! Can you help me to find it please! God bless you all ❤