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If you want to get a supplemental plan for next year, or maybe even sooner, and you're trying to decide between a plan G or a plan N, or maybe you're on a plan G and you're thinking about saving some dollars by going down to a plan N, you're gonna learn today what all of those differences are and if that's a good move and which plan is right for you if you're just getting started.
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So stick with us.
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Welcome to the MedicareSchool.com answer hour.
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My name is Josh Music, and I'm here in the studio with my dad, my co-host Marvin Music.
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And whether you're just starting Medicare or maybe you've been on it for a while, or you're just starting Social Security, you're trying to figure out how to navigate through these complex government benefits, you are in the right place.
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In just a moment, you're gonna learn about the differences between supplemental plan G and N and which one is right for you.
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But if at any point you have a question, you can call in.
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The phone number to call in is 833-824-2004.
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833-824-2004.
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Monday through Thursday, 11 a.m.
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to noon central time.
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11 a.m.
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to noon central time.
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833-824-2004.
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So call in, get your questions answered.
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Don't make a mistake.
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Don't get stuck in a plan that you don't understand, and don't leave money on the table.
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Get all your questions answered right here.
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Dad, let's talk about supplemental plan G and Plan N.
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All right, so as we uh look at um the G Plan and the N plan, uh these are supplemental plans for those of you that may not be familiar.
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Uh so when someone goes on Medicare, they're either going to take an advantage plan or they're gonna take a supplemental plan.
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So as we look at the the G and the N plans, uh these are your your uh by far the most popular plans today.
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I think around 55 to 60 percent of all people are getting Gs, and then uh 40, 45 percent of people are getting N plans.
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Uh and so uh the difference would be this: the G would be the most comprehensive plan available today.
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That's what I'm on.
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Uh that's the plan that covers everything except for the Medicare B uh Part B deductible.
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This year that's$283.
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And so uh when we look at the original Medicare system A and B, they have gaps.
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There are six total gaps, three on the A, three on the B.
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So with the G plan, all the gaps are covered on the A, and all the gaps except the B deductible on the on the uh Part B side are covered by the G plan.
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So again, most comprehensive.
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Um uh the B deductible this year is$283.
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Uh you would have to meet whatever the B deductible is, and then after that, as long as you are seeing a Medicare provider getting a service covered by Medicare, then you would be not out-of-pocket anything, zero.
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It's truly a hundred percent coverage after the B deductible.
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And so uh it is also the most expensive because it is you know the most comprehensive coverage.
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So sometimes people don't want to spend the money on a G plan uh and they take one really very, very small step down to the N plan.
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Uh so it's a different letter, so it's obviously gonna have different coverage.
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Uh so that what the N plan does, uh it has a couple of co-pays, and the N plan will not pay excess.
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Excess is when a doctor adds 15 percent to the bill.
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And that 15 percent uh if you went to a doctor that did that, that would be then uh your responsibility.
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So again, the end plan is gonna cover everything just like the G does on the uh uh the A side of Medicare, 100 percent coverage for hospital and skilled nursing, all that, that's identical.
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But when we move to the B side, this is where it's different.
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Uh both G and N, you're responsible for the B deductible, so there's no difference there.
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But after that, what happens is on the N plan, uh instead of the the full 20 percent coinsurance being covered like the G plan does, you would first have to pay a copay.
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Uh if you went to a doctor, that would be$20 copay.
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If you went in the emergency room, it's a$50 copay.
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So the N has two copies that the G does not.
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So G covers the full 20 percent coinsurance, N will after you paid a copay.
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So you pay your$20, and then whatever coinsurance balance is, then your N plan will cover that.
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Go to the emergency room, you have a$50 copay, and then again, the N is going to pay the balance of that.
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And then if you had an excess charge where the doctor added uh to the bill, uh that would be your responsibility on the end plan.
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Now the good news is uh the excess charges are very rare.
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Uh probably at most, maybe 3 percent of the time, would you even encounter an excess charge, so it doesn't happen.
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Happens sometimes, but it's not very frequent.
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So you're not taking on a tremendous amount of risk when you uh have that implant because excess is uh very minimal.
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And then, of course, you have a couple uh you know reasonable copies.
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Now, the reason that people sometimes will go with the implant versus G is because it's normally going to be about$50 to$75 a month uh cheaper.
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It's less expensive.
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Uh and you're not taking on a whole lot of additional risk because you know these copays are small and the likelihood of excess is very, very rare.
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And so that is the difference between the G and the N.
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So if you're on a G and you're looking to save some money, but you still want to stay uh within the uh you know the uh Medicare supplemental system, uh then you can move down to an N.
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Uh if you're already on a plan, you've been on that for a while, it could be that we could find you a new carrier, a new company that would be offering you a better premium.
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We would be happy uh to actually uh shop that for you to see if you can improve your position.
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So some are moving from the G down to the N, some are uh just uh keeping the G but are just shopping it, others uh staying on the N and just shopping that as well.
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So it's a good time of the year uh to check to make sure you are on the very best plan at the very best price.
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All right, let's go to uh Frederico in Texas.
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Hello, Frederico.
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Uh welcome to the show today.
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Thanks for calling.
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Uh what kind of questions do you have for me?
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Uh my uh Blue Cross Blue Shield uh Medicaid Advantages.
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Yes, sir.
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I've been told that my the coverage will be offered next year.
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Yes, sir.
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And I was moving I was uh wondering whether I could move to Medicare supplement uh uh Medicap without going to underwriting.
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Yes, sir.
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And and that is true.
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And you do you have that letter that Blue Cross sent to you saying that your plan has been canceled?
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No, I'm still waiting for it, but uh I was I got an email from Medicare that they're saying that my plan is no longer offered for the uh Okay, that sounds good.
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Yeah, you do uh all I'm saying to you is that that letter is very, very important uh because that is the that's that's kind of your ticket uh to getting a Medigap policy without any underwriting.
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You have to have that letter in hand uh so that they can see that because that uh it's called guaranteed issue.
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Uh now, Frederico, you are going to um uh be uh uh uh uh getting a submetal plan it'd be a plan F.
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Anyone that starts Medicare before 1-1 of 2020, the no underwriting plan is uh the F plan.
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Uh and those are you know they're priced reasonably in Texas.
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Um I wish we could get you a G plan or N plan, but you can't get those without underwriting.
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So you would need to get an F plan.
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Uh and we'd be happy to give you some assistance with that if you would like.
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It's up to you.
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So you're saying that uh I'm stuck with the F and I cannot get the B plan?
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I'm saying the bed plan.
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Yeah, I'm saying without underwriting, you can only get the F plan.
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Uh but if you can go through underwriting, and and what I would do, I don't know, are you are you dealing with some serious health issues?
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Yeah, because I I w I uh went through this before, but I had I went through underwriting and it was I can't afford the Yeah, so you you're saying you got declined on the underwriting?
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I I had an offer, but it was too much that I cannot afford.
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Okay, I understand.
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But my question is, what is it that what what what are you dealing with with your health right now?
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What's going on?
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Oh, I got uh diabetes and uh I've had some heart problem, heart uh colour body problem.
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What kind of heart problems?
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Uh I had uh stent and uh we had uh dual bypass.
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Bypass, okay, and how long ago was the bypass and the stents?
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How long has it been?
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Uh the stint was just uh last month.
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Oh, okay.
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And the by the bypass was uh 2018.
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Okay, well the bypass wouldn't be a problem, but the stints in the last any stents within the last two years, yeah, you would not get through underwriting with that.
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Um very, very unlikely.
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Um so uh yeah, so if you cannot afford the F plan, then you really don't have uh you know a lot of a lot of options uh except to find a different advantage plan.
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Uh now once once uh you know the the stints have been uh uh beyond two years, then it could be that you could reapply.
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Um so you know for sure the F plan is not affordable.
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I've I've seen the numbers and uh I've uh read through your uh your info medica medical school.
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Yes, sir.
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Yeah, I saw that the the F plan was is the optimum, but it's that expensive.
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Yeah, I would how much would go go ahead.
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How much would that be in uh in Texas?
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The F plan?
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Uh-huh.
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Okay.
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Well, uh I don't I don't have um because you know we're we're on the we're on our podcast around the radio, so I I do not know.
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Yeah, but but I'm happy here.
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Do me a favor.
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Uh why don't you just just c let me give you the number to call and you can find out.
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Uh because you know we're brokers, so we write for a lot of different companies.
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In fact, we Texas is one of our biggest states for business, so we write for a lot of carers.
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Let's just see what those present rates are.
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Uh and if we can help we we will.
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Um and then uh so you said the stint implants just wasn't one month ago.
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Just one month ago, yeah.
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Yeah, yeah.
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Okay, yeah, that that definitely would would decline you for sure.
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But the F would be a guaranteed issue.
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So let me give you the number.
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Call in and ask to speak to an agent.
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That number is eight hundred seven eight two six six seven six.
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Uh-huh.
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Yeah.
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Eight hundred six six.
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Yes, sir.
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782-6676.
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Call in, speak to an agent, and let them know you're in Texas, uh, that you uh had your advantage plan canceled.
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You would like to uh look at the prices on an F plan, and they can pull those up for you in no time.
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Okay.
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Happy to do that, sir.
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And then you can make a decision at that time what you want to do.
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And then also, if you want, uh you can tell the agent if the F does not work, if you want them to help you see what else is available in your market for advantage plans, they can they can take care of that as well.
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Okay?
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Okay.
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Okay.
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Nice to talk to you.
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We sure appreciate your calling.
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Take care.
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All right, let's go to Paul in New York.
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Hello, Paul.
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Welcome to the program.
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Uh, what questions do you have for us today?
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Well, I am a uh just turned 87 years old, and I'm taking no meds regularly.
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But I'm paying a$105 premium for an AARP UNC RX Saber policy that I've had for as long as I have, the G plan from the same organization that I got about 2018.
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So I've had about eight years for the G Plan and their RX Saber plan.
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Now, my question is how does an 87-year-old person who's taking no meds choose the drug plan for next year when he starts to approach 90?
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Okay.
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Okay, very good.
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Well, let me ask you this.
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Uh uh Is it Paul?
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Is that correct?
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Is it Paul?
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It's Paul.
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Right.
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Okay, Paul, no problem.
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I just want to make sure I had your first name right.
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Paul, are do you do you do you ever go to the Medicare.gov website?
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Is that something you're familiar with at all?
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I am familiar with you folks and watch most of your stuff, but I've never came into come into a situation where I really used my my uh um prescription plans.
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Okay, I understand.
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I I started the both, in other words, I got them both at the same time eight years ago.
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Okay, and and as I've used them, I've never really had any big problems in in prescriptions and requiring uh to pay anything.
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Yeah.
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So as I suddenly find myself 89, I've now realized there's a possibility of getting a different company to pay for drugs.
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Yeah, yeah.
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That thing's wrapped up on you.
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Yeah.
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Yeah, exactly.
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And I'm one of those people who are more healthy than perhaps most.
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Okay.
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Well, look what what I'm asking you is this uh if you're comfortable uh using uh you know the computer, sounds like you probably are.
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You're you know, you're watching us.
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Uh there's two things I want to I want to tell you.
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Number one, uh at this very time, um at here in just 30 minutes, uh, which would be I know you're calling from uh are you calling from New York?
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Is that right?
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Okay, very good.
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So that it'll be it's gonna be one o'clock your time.
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Uh let me if you'll write this down.
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I want you the the it's uh it's a uh website you can go to.
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It's called live live rxtraining.com.
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Live rxtraining.com.
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I want you to go there.
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And that is that's us.
00:12:59.519 --> 00:13:05.600
And this is one of our team members uh every day, Monday to Thursday from noon to one Central Time.
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So, you know, one o'clock your time, uh, is showing people how to uh use the Medicare.gov website.
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Uh it's not hard.
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You could probably do it without uh the training anyways, but it you know, you can go on there, watch her name is Emmy, very knowledgeable.
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In fact, uh it could be that she'll she'll even do it for you.
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I know that she uh during that hour she uh helps people with this.
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So you can see how she does it, and then what's gonna happen is you're gonna get off that plan.
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You there's no reason to be on that saver plan.
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Uh it's just crept up so much, and and you know, I see this around the country with them.
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So I I can assure you uh there will be a lower cost drug plan available for you in New York.
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Uh and what will happen is uh th there'll be a list, there could be eight plans, could be ten, twelve, I don't know for sure in your zip code, uh, but it varies zip code to zip code, but there'll be some plans available, and you're just simply gonna select one of the plans uh that um now and you take no meds at all, is that correct?
00:13:58.960 --> 00:13:59.759
No meds?
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No, not no meds.
00:14:01.840 --> 00:14:03.200
I just just to have a cold.
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Okay, and that's fine.
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I spent$30 at the drugstore this year.
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Okay, that sounds good.
00:14:07.919 --> 00:14:14.080
So what's gonna happen is we're you're just simply gonna select the lowest premium drug plan in your zip code.
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Uh and uh and and and that'll be very obvious to you.
00:14:17.279 --> 00:14:20.159
Um and so it's it the site is Medicare.gov.
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Uh you if you go there without having the training, which you can do, you go to Medicare.gov, you're gonna put in your zip code.
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Uh and and there's a button that says find find health and drug plans.
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It's very simple, I promise you.
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So find health and drug plans, you'll put your zip code in, and they're gonna ask you, do you get any kind of uh uh subsidies from the government, any assistance?
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You probably don't.
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So you're gonna say no to that.
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And then it's gonna ask you this.
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It's gonna say, uh, do you do you want to look at drug cost?
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And you're gonna say no.
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And as soon as you say no to that question, uh all the drug plans in your area are gonna appear.
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And the very lowest cost one is gonna be at the very top of the list.
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Okay?
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Um it'll be there.
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And so just just uh you'll see the premium.
00:15:04.559 --> 00:15:06.799
Um and again, I don't know about New York.
00:15:06.879 --> 00:15:15.360
Uh, you know, there's a lot of drug plans around the country, but like in our area, the lowest cost drug plan for 2027 is five dollars and thirty cents a month.
00:15:15.519 --> 00:15:20.080
Uh some some markets it's the that same plan is nine dollars and sixty cents a month.
00:15:20.240 --> 00:15:25.039
But again, there should be a much lower cost drug plan available to you in your zip code.
00:15:25.120 --> 00:15:34.559
So Medicare.gov is the place, and if you'll go to that livearchstraining.com here in just you know 20 minutes, um you'll see Emmy walk you through that and she'll show you how to do it.
00:15:34.720 --> 00:15:35.919
So that's what you have to do.
00:15:36.000 --> 00:15:41.360
And then and then uh Paul, every year you you have to do this again because drug plans are only one year at a time.
00:15:41.519 --> 00:15:47.519
The plans can change whatever they want to, they can improve them, uh, they can make them worse, they can raise the premium, they can lower the premium.
00:15:47.600 --> 00:15:49.039
There's all kinds of things they can do.
00:15:49.200 --> 00:15:55.120
So you, as the Medicare consumer, you've got to go there every year to make sure you're still on the best drug plan.
00:15:55.360 --> 00:15:55.679
Okay?
00:15:56.000 --> 00:15:56.559
That's the problem.
00:15:57.519 --> 00:15:58.399
I think I'm a victim.
00:15:58.639 --> 00:16:04.960
I'm a victim of the idea that when you're only paying five dollars, there's not going to be very many drugs that you'd be able to get.
00:16:05.440 --> 00:16:05.840
That's not true.
00:16:06.720 --> 00:16:07.200
That's not true.
00:16:07.279 --> 00:16:08.720
Uh uh, listen, that's what I'm on.
00:16:08.879 --> 00:16:13.919
I take listen, I take no meds at all, and I I selected the lowest cost drug plan.
00:16:14.080 --> 00:16:17.120
It has 2,500 medications and formulary.
00:16:17.279 --> 00:16:19.120
Okay, so it's still a good drug plan.
00:16:19.279 --> 00:16:21.679
Now, it's not the Cadillac, but I don't need the Cadillac.
00:16:21.840 --> 00:16:24.399
And if I need the Cadillac next year, then I'll I'll change.
00:16:24.639 --> 00:16:30.320
So, yeah, just just just click on the button for the enroll I'll enroll button for the lowest cost plan in your market.
00:16:30.399 --> 00:16:32.960
I I promise you, you're you're not gonna be making a mistake.
00:16:33.120 --> 00:16:34.960
Uh it's gonna cover a lot of meds.
00:16:35.120 --> 00:16:42.960
Uh people that need these$100 and$150 uh plans are those folks that are typically taking, you know, 12, 15 medications every day.
00:16:43.120 --> 00:16:48.559
Whereas they have a lot of meds, and to get all those meds covered, uh uh they have to have a broader formulary.
00:16:48.639 --> 00:16:50.879
But this low-cost plan will be just fine for you.
00:16:51.039 --> 00:16:51.600
It will be.
00:16:51.759 --> 00:16:53.200
And then again, you can reach out to the money.
00:16:53.440 --> 00:16:54.720
And for for Go ahead.
00:16:54.879 --> 00:16:54.960
Yeah.
00:16:55.679 --> 00:17:02.320
For my age, it it would be still the I can be sure that there's going to be coverage for the whatever I might need.
00:17:02.480 --> 00:17:03.200
That's the problem.
00:17:03.360 --> 00:17:04.720
I have no idea what I might need.
00:17:05.119 --> 00:17:06.640
Yeah, of course, yeah, of course you don't.
00:17:06.799 --> 00:17:07.920
I I will say this.
00:17:08.079 --> 00:17:14.400
Uh if if there's a medication that's not in formula, formulary, then you can always ask for an exception.
00:17:14.640 --> 00:17:15.839
Okay, that's the way it works.
00:17:16.000 --> 00:17:18.960
So uh, but that's why I'm saying just take the lowest cost plan.
00:17:19.119 --> 00:17:20.480
It should be sufficient for you.
00:17:20.640 --> 00:17:22.559
You're I don't think you're taking a big risk.
00:17:22.720 --> 00:17:27.200
Um and and besides that, the the savor plan is not it it's a decent plan, but what happened?
00:17:27.359 --> 00:17:31.119
You know, healthcare decided this year uh they're they're not gonna lose money in drug plans.
00:17:31.200 --> 00:17:34.480
They raised their premiums anywhere from fifty to a hundred dollars per plan.
00:17:34.640 --> 00:17:36.480
Uh so they're gonna they're gonna make money.
00:17:36.559 --> 00:17:37.440
That's why they did that.
00:17:37.519 --> 00:17:41.279
They're the only ones really across the board that took those kind of increases.
00:17:41.440 --> 00:17:46.000
Now, others did definitely go up, but theirs went up drastically uh more than others.
00:17:46.160 --> 00:17:47.920
Okay, so uh get off that plan.
00:17:48.000 --> 00:17:48.720
Medicare.gov.
00:17:49.440 --> 00:17:51.200
And then you're welcome and uh watch Amy do it.
00:17:51.279 --> 00:17:52.559
She'll she'll show you how to do it, sir.
00:17:52.640 --> 00:17:52.960
Okay?
00:17:53.440 --> 00:17:55.680
Um it means a lot more when I hear from you.
00:17:56.079 --> 00:17:56.400
Thank you.
00:17:56.880 --> 00:17:59.279
Well, my privilege and great to talk with you.
00:17:59.359 --> 00:18:02.319
And Paul, don't hesitate to call again if you need us, okay?
00:18:03.039 --> 00:18:03.920
Thank you so much.
00:18:04.160 --> 00:18:05.039
Take care.
00:18:06.160 --> 00:18:09.119
All right, let's go to Lori in Massachusetts.
00:18:09.839 --> 00:18:10.559
Hi, Lori.
00:18:10.880 --> 00:18:12.160
Welcome uh to our show today.
00:18:12.240 --> 00:18:13.359
Uh glad you've called in.
00:18:13.440 --> 00:18:15.200
Uh, how can I be of help to you?
00:18:16.480 --> 00:18:20.799
I recently was added to the Medicare because I turned 65.
00:18:20.960 --> 00:18:21.359
Uh-huh.
00:18:21.759 --> 00:18:27.119
And I was looking to add um what I thought was my best choice.
00:18:28.400 --> 00:18:29.839
Young Brigham Remens plan.
00:18:30.160 --> 00:18:30.559
Uh-huh.
00:18:31.440 --> 00:18:36.240
Listed as an advantage plan that I fell into as an option.
00:18:36.480 --> 00:18:48.480
I went to sign up and with another agent and found out that I hadn't actually been signed up, that the link he sent me was not the correct link, and couldn't process it on my own.
00:18:48.799 --> 00:18:59.920
But then looking into it further, found out that none of the plans are taking on new clients without an 18-month wait for a first visit.
00:19:00.319 --> 00:19:06.640
Is that something that you help with as well as when you're looking into a plan for someone and making suggestions?
00:19:07.519 --> 00:19:08.559
Sure, sure.
00:19:08.720 --> 00:19:15.680
Well, uh uh what you're saying is that some of the doctors that were within that network were not taking any any new clients.
00:19:15.839 --> 00:19:16.960
Is that what you said?
00:19:17.759 --> 00:19:22.640
The ones that are listed on the websites are not updated on their website.
00:19:23.039 --> 00:19:23.359
Okay.
00:19:23.759 --> 00:19:33.680
As well as um, I spoke with 19 different offices, and out of the 19, only three had availability, and it was an 18-month wait for an appointment.
00:19:34.000 --> 00:19:34.960
Oh wow, that's crazy.
00:19:35.119 --> 00:19:36.799
Okay, so Laurie, let me ask you this.
00:19:36.960 --> 00:19:44.160
Uh it sounds like you you you you did enroll into an advantage plan, and did you say you you have since disenrolled from that plan?
00:19:45.039 --> 00:19:46.240
They never signed me up.
00:19:46.480 --> 00:19:50.799
I went through a process with an agent and then come to find out it didn't go through.
00:19:51.119 --> 00:19:51.759
It didn't complete it.
00:19:51.839 --> 00:19:52.240
Okay, very good.
00:19:52.319 --> 00:19:53.200
Okay, so let me ask you this.
00:19:55.599 --> 00:20:03.599
Okay, so uh is it within your budget to get a Medicare supplemental plan or is a Medicare Advantage going to be the only thing that's gonna fit for you financially?
00:20:05.119 --> 00:20:09.599
The advantage plan was a better fit for me because there was no out-of-pocket.
00:20:10.240 --> 00:20:11.039
Okay, okay.
00:20:11.200 --> 00:20:14.559
Do you all uh are you also on Massachusetts Medicaid?
00:20:15.759 --> 00:20:16.000
No.
00:20:16.319 --> 00:20:16.960
Okay, you're not.
00:20:17.039 --> 00:20:18.640
Okay, so just Medicare only.
00:20:18.799 --> 00:20:19.119
All right.
00:20:19.359 --> 00:20:24.480
All right, so when you talk about something not being out of pocket, I'm assuming you're saying the premium.
00:20:24.640 --> 00:20:29.359
Uh because advantage plans you pay, but you pay as you need healthcare services.
00:20:29.440 --> 00:20:32.160
Uh there's no premium other than what you pay Medicare.
00:20:32.319 --> 00:20:34.240
And so is that what you meant by that?
00:20:35.519 --> 00:20:35.920
Correct.
00:20:36.240 --> 00:20:37.119
Okay, okay, sounds good.
00:20:37.279 --> 00:20:40.319
So to answer your question, uh, what happens if you want us to help you?
00:20:40.400 --> 00:20:41.519
Uh we'd be delighted to.
00:20:41.599 --> 00:20:42.400
You can you can call in.
00:20:42.480 --> 00:20:46.559
I can give you the our our number to our office, not not the show, but the office.
00:20:46.799 --> 00:20:49.759
And when you call in, uh you can let uh the agent know.
00:20:49.839 --> 00:20:53.359
And by the way, the agent whoever you talk to, I know personally, I've trained them.
00:20:53.440 --> 00:20:55.920
Uh so they will uh walk you through the process.
00:20:56.000 --> 00:21:06.799
Now, what we have available to us uh is whenever we we pick a plan out and we're we're gonna find out you know your doctors, uh then it it will let us know accepting new patients or or not.
00:21:07.119 --> 00:21:12.640
Now, we're we uh too are dependent upon uh the accuracy of the websites.
00:21:12.880 --> 00:21:26.079
Uh so my whole point is that uh what we could do is we can make sure that if you find a plan that you like based upon uh the um max out of pocket, based upon the copayments and all the variables that go into the advantage point.
00:21:26.319 --> 00:21:37.039
Once you find a plan, uh then we can give you um a list of some of the doctors that uh apparently are that that that appear to us to be taking new patients, and then you can always call them.
00:21:37.119 --> 00:21:45.119
And then if you find find out that that that they're not, uh then what we can do, then we'll go back to the drawing board and try to find you another plan.
00:21:45.359 --> 00:21:47.039
Okay, that's the way it would have to work.
00:21:47.119 --> 00:21:52.720
But we would we would stick with you to make sure uh that uh uh you can you can find a doctor.
00:21:52.960 --> 00:21:55.119
Uh but again, you you're probably gonna have to call.
00:21:55.279 --> 00:22:01.119
Again, the websites in our my experience they have been pretty accurate, but you're saying uh Not so on your own.
00:22:01.359 --> 00:22:01.680
Not at all.
00:22:01.839 --> 00:22:01.920
Okay.
00:22:03.119 --> 00:22:04.400
And I and I believe you totally.
00:22:04.559 --> 00:22:08.720
So um and I'm sorry, and I'm not sure why that would happen so much in Massachusetts.
00:22:08.880 --> 00:22:10.799
Most places it it is truly accurate.
00:22:10.960 --> 00:22:13.759
But if you want us to walk you through the process, we're happy to.
00:22:14.079 --> 00:22:21.839
We'll you know we're not we're we'll complete the enrollment, um, uh we'll serve you, you know, our customer service team will, so we're happy to help you with that.
00:22:22.000 --> 00:22:23.680
Uh but that's exactly how it works.
00:22:23.839 --> 00:22:30.000
We checked, we check docs, and uh on every every single company website it says accepting new patients or not.
00:22:30.160 --> 00:22:35.119
Um and then we can give you that number and then you could call that office to to you know indeed find out.
00:22:35.279 --> 00:22:37.519
So you did say that there were three that did.
00:22:37.680 --> 00:22:39.279
Were you not happy with those docs?
00:22:39.759 --> 00:22:42.319
The three that said they they would they're taking new patients?
00:22:43.039 --> 00:22:46.160
I can't wait 18 months for uh unappointment.
00:22:46.559 --> 00:22:47.599
Okay, yeah, that's crazy.
00:22:47.759 --> 00:22:49.599
I have I've honestly never heard of that.
00:22:49.680 --> 00:22:50.799
That yeah, that's bizarre.
00:22:51.039 --> 00:23:01.039
Uh so I think if I were you Okay, I'd go back to the drawing board and then of course you have your list of the 19, so when you're talking to one of our agents, you can say, no, no, no, no, no.
00:23:01.119 --> 00:23:02.799
Let's just keep eliminating.
00:23:02.960 --> 00:23:07.359
And then find out uh what plan will fit and then give you some more options for docs.
00:23:07.920 --> 00:23:11.920
Uh so obviously there's a shortage of uh primary care doctors in your area.
00:23:12.880 --> 00:23:13.839
Yes, hugely.
00:23:14.160 --> 00:23:14.400
Yeah.
00:23:14.720 --> 00:23:15.039
Okay.
00:23:15.440 --> 00:23:26.559
Uh now another thing that you could consider is uh if if it's available in Massachusetts is being on a PPO plan, and then you you don't have to have a referral, you could just go to a specialist.
00:23:26.720 --> 00:23:30.000
And that may be you know a maybe a better fit for you.
00:23:30.079 --> 00:23:35.119
Uh maybe an internist or something that was classified as a specialist instead of just a primary care doctor.
00:23:35.279 --> 00:23:36.880
Would you feel comfortable doing that, Lori?
00:23:37.680 --> 00:23:38.960
Uh Yeah, totally.
00:23:39.200 --> 00:23:45.519
Um I don't have a I don't have a current list of doctors.
00:23:45.839 --> 00:23:46.079
Okay.
00:23:46.240 --> 00:23:48.000
Well, I'm just looking to start.
00:23:48.480 --> 00:23:48.720
Okay.
00:23:48.880 --> 00:23:49.119
Yeah.
00:23:49.279 --> 00:24:02.400
Well again, once once we knew what plan uh you you want, we could make sure you know exactly what the website is that would show the different providers and maybe just going directly to a specialist, which you can do on a PPO without a referral.
00:24:02.559 --> 00:24:04.880
Uh you just call them up and set the appointment up.
00:24:05.039 --> 00:24:09.759
Uh so that may be kind of a way around that so you don't have to wait forever on a on a primary care doc.
00:24:10.000 --> 00:24:10.880
But I'd suggest calling.
00:24:10.960 --> 00:24:16.000
Uh you know, our agents will they will they'll care about you, they'll be thorough with you, they'll be truthful with you.
00:24:16.160 --> 00:24:19.680
Um I think we just go back to the drawing board and start this process over.
00:24:19.839 --> 00:24:28.079
Uh you're already beyond the period of time where you can actually start an advantage plan for this year, but you're within the perfect time to start one on you know January 1st.
00:24:28.160 --> 00:24:30.000
Uh so this is the perfect time to do this.
00:24:30.640 --> 00:24:30.880
Okay.
00:24:31.119 --> 00:24:32.640
Uh do you do you have our office number?
00:24:35.920 --> 00:24:36.880
Okay, let me just give it to you.
00:24:37.680 --> 00:24:38.880
And uh you can you can call in.
00:24:38.960 --> 00:24:44.960
We're we're of course we're in Kansas City, so we're on in the central time zone so just an hour behind you.
00:24:45.039 --> 00:24:49.519
But it's 800 782 6676.
00:24:50.400 --> 00:24:53.920
800 782 6676.
00:24:54.400 --> 00:25:03.359
Uh and it's very possible that when you call in uh that the reception team uh can uh you know transfer you to an agent that's you know that has availability.
00:25:03.440 --> 00:25:07.920
If not, if everyone's tied up, then uh they will take your information down and then call you back.
00:25:08.480 --> 00:25:08.720
Okay.
00:25:09.039 --> 00:25:10.319
We just call it a live transfer.
00:25:10.400 --> 00:25:15.119
So we have agents available uh all the time um you know during the day, 7 a.m.
00:25:15.359 --> 00:25:16.079
to 7 p.m.
00:25:16.720 --> 00:25:16.960
Okay.
00:25:17.839 --> 00:25:21.359
So call that number, ask for an agent, and um we'll help you.
00:25:21.519 --> 00:25:24.720
And then Lori, feel free to feel free to reach out to me again if you need to as well.
00:25:24.799 --> 00:25:25.359
I don't mind.
00:25:25.519 --> 00:25:25.839
Okay.
00:25:26.720 --> 00:25:27.039
Thanks.
00:25:27.279 --> 00:25:27.759
Appreciate it.
00:25:28.079 --> 00:25:29.359
Okay, nice to talk with you.
00:25:30.240 --> 00:25:30.559
Thank you.
00:25:30.960 --> 00:25:31.200
Thank you.
00:25:31.359 --> 00:25:31.680
Bye.
00:25:32.960 --> 00:25:35.200
Let's talk to Ortis in Nevada.
00:25:35.359 --> 00:25:38.000
Otis, welcome to the Medicare School.com answer hour.
00:25:38.160 --> 00:25:39.839
What questions do you have for us?
00:25:41.200 --> 00:25:54.160
Yes, uh and when I turned 65, uh, I watched your show and I stayed with uh the red, white, and blue part, but I bought a uh got a supplement plan.
00:25:55.200 --> 00:26:04.400
And uh the first year was cool, but now I'm 67 and my premiums done went up.
00:26:04.880 --> 00:26:14.799
Uh and and and my deductible them went up, and it's it's gonna go up again because they sent me a letter saying it's going in.
00:26:15.039 --> 00:26:18.640
So now it's taking most of my social security checks.
00:26:18.799 --> 00:26:42.000
So is it best to stay on a supplemental plan and or can't do I need to change to advantage plan because uh uh my RD is good till uh January because they sent a letter saying they're no longer going to cover cover uh me.
00:26:42.640 --> 00:26:46.720
Uh they're dropping me at the you know, the end of the year.
00:26:47.039 --> 00:26:50.240
And they changed from signal to health strength.
00:26:51.359 --> 00:27:15.759
And now and so now, and then it would you know I've it i I can't get my medicine because I have to pay I pay a deductible, but I have to uh what they say some kind of premium, some until I meet that premium or whatever it is, uh, I have to pay uh almost half for my medicine.
00:27:16.079 --> 00:27:23.440
Because I got a the doctor to have me on the medicine, it's a thousand dollars and they want me to pay five hundred dollars for the medicine.
00:27:23.680 --> 00:27:24.480
Five forty.
00:27:25.039 --> 00:27:25.279
Yeah.
00:27:26.319 --> 00:27:36.640
Okay, yeah, or to so yeah, this would be a situation where if it's not possible for you to be able to afford the supplemental plan, it just doesn't fit your budget, then that's exactly what I would do.
00:27:36.720 --> 00:27:38.160
I would go on an advantage plan.
00:27:38.319 --> 00:27:40.880
Uh you do not want to be insurance poor, okay?
00:27:41.119 --> 00:27:48.799
Uh we love supplemental plans, there's good reason for that, but it's just not uh doable for everyone, uh, and certainly no shame in that at all.
00:27:49.039 --> 00:27:57.759
So uh let us help you find the very best uh advanced plan for your situation because we'd want to check doctors, hospitals, uh all your medications.
00:27:57.839 --> 00:28:00.960
So there in your market, there's probably 35, 40 plans done.
00:28:01.279 --> 00:28:01.680
Yeah, how many?
00:28:01.839 --> 00:28:03.119
39 plans right now.
00:28:03.359 --> 00:28:09.599
So we can look at all of those plans with you, make a quick comparison, and just see what's gonna be the best for you.
00:28:09.759 --> 00:28:15.599
Uh so the way it works, Ortis, you you are gonna have to keep that supplemental plan uh through the end of this year.
00:28:15.839 --> 00:28:22.480
But at this time, even today, uh we can help you to make a decision uh as to what advanced plan is gonna be the best fit.
00:28:22.720 --> 00:28:37.359
So uh what would happen, that advantage plan then would automatically uh it's gonna it's gonna kick out uh the drug plan automatically, but you will have to call the supplemental company uh right about the mid-December and let them know you're canceling that effective one one.
00:28:37.759 --> 00:28:38.640
So you'd call Health Spring.
00:28:38.799 --> 00:28:40.720
Yeah, and say, I don't want this plan anymore.
00:28:41.039 --> 00:28:41.200
Yeah.
00:28:41.599 --> 00:28:43.519
So uh that's the way I'd handle that.
00:28:43.680 --> 00:28:47.359
Okay, so uh do you have our number to your office?
00:28:47.519 --> 00:28:49.759
Because Josh can give it to you right now if you don't have it.
00:28:50.079 --> 00:28:55.279
Yeah, and you can call in literally right now and talk with someone here at our company that can help you.
00:28:55.359 --> 00:28:56.960
You got your pen and paper?
00:28:58.319 --> 00:29:11.519
Yeah, well uh uh with this help, I I have another uh uh uh call for tomorrow uh for the lady to switch to help me.
00:29:11.839 --> 00:29:23.359
Uh I forget her name, but uh we have an appointment for a phone call tomorrow for uh for her to help me switch switch plans.
00:29:23.680 --> 00:29:34.240
Yeah, that's because uh but I wanted to talk to you guys first because that's what I did last time to to help me get a better understanding of what's going on.
00:29:34.720 --> 00:29:46.079
And I kind of basically know because uh a lot of people are not uh even my dad has United Healthcare, uh AARP United Healthcare.
00:29:46.240 --> 00:29:51.519
And it's a lot of places that I try to take him, and he's 88 years old.
00:29:51.680 --> 00:29:53.680
Uh they won't accept it.
00:29:53.839 --> 00:29:57.119
And a couple of places don't accept my supplement plan.
00:29:57.440 --> 00:30:02.559
So uh I want to I think I want to go with Humana Healthcare.
00:30:03.119 --> 00:30:03.519
Okay, yeah.
00:30:03.680 --> 00:30:11.920
So you're tomorrow I looked to you up, you're you're gonna meet with I think you're meeting with Haley uh here at our company, and she'll take wonderful care of you.
00:30:12.000 --> 00:30:20.319
She's a real sweet lady, very, very good um at at at being able to help you switch over into a plan that'll really fit your budget better.
00:30:21.119 --> 00:30:21.440
Okay.
00:30:21.759 --> 00:30:33.920
So now uh this one okay, like I'm being treated for certain health things, and that that's been for 14 years before I be got into Medicare.
00:30:34.079 --> 00:30:35.920
So is that gonna be a problem?
00:30:36.160 --> 00:30:36.319
No.
00:30:36.640 --> 00:30:38.160
No, there's no health underwriting.
00:30:38.400 --> 00:30:39.519
Yeah, there's yeah, not at all.
00:30:39.599 --> 00:30:47.119
And then you'll just what'll happen is when you go to the doctor after January 1, you just have to let them know you've changed your insurance.
00:30:47.200 --> 00:30:49.359
Uh but your your care will just continue on.
00:30:49.440 --> 00:30:51.519
You're just gonna have a different insurance company.
00:30:51.680 --> 00:30:52.000
Okay.
00:30:52.319 --> 00:31:02.720
Uh and then what Haley will do, Ortis, is she'll explain to you uh what your co-pay co-payments, uh, your co-pays could be any kind of out-of-pocket expense that you're going to incur.
00:31:02.799 --> 00:31:08.640
Uh, you more than likely are not gonna have to pay a premium, so you just have to pay some co-pays for services.
00:31:08.799 --> 00:31:09.839
Does that make sense, sir?
00:31:10.319 --> 00:31:10.480
Okay.
00:31:10.880 --> 00:31:11.759
Yeah, that makes sense.
00:31:12.160 --> 00:31:12.480
Yeah, yeah.
00:31:12.640 --> 00:31:13.119
Yeah, yeah, yeah.
00:31:13.440 --> 00:31:17.119
Yeah, and Haley she knows what she's doing, so she'll be to help you.
00:31:17.200 --> 00:31:17.359
Go ahead.
00:31:17.440 --> 00:31:18.799
I didn't mean to cut you off.
00:31:19.119 --> 00:31:20.319
Oh, no, no, no, no.
00:31:20.400 --> 00:31:21.359
You're good, you're good.
00:31:21.519 --> 00:31:27.920
Uh so you tell said said that I have to call about mid-December to cancel my drug plan.
00:31:28.240 --> 00:31:29.119
No, no, no.
00:31:29.359 --> 00:31:30.960
No, the supplemental plan.
00:31:31.119 --> 00:31:33.920
Yeah, the Oh, the supplemental plan, yeah, yeah, yeah, yeah.
00:31:34.160 --> 00:31:34.480
That's right.
00:31:34.559 --> 00:31:36.799
Yeah, we can't we can't cancel that for you.
00:31:36.960 --> 00:31:46.079
Now, what I was saying is that when you and Haley, you you all pick out uh an advantage plan, it will cancel out the uh drug plan automatically 1-1.
00:31:46.880 --> 00:31:48.000
Okay, that happens.
00:31:48.240 --> 00:31:51.119
But the supplemental plan is not gonna be automatically canceled.
00:31:51.200 --> 00:31:51.759
It can't be.
00:31:51.920 --> 00:31:53.200
You have to make that phone call.
00:31:53.359 --> 00:31:57.599
Okay, so I just don't want you to forget that because I know you're paying on a monthly basis.
00:31:57.680 --> 00:32:01.440
So uh after you've paid that December premium, you'll be done on that plan.
00:32:01.599 --> 00:32:06.640
You're gonna cancel around the 15th effective one one, and all will be all will be a smooth transition.
00:32:08.160 --> 00:32:09.200
Oh, okay.
00:32:09.359 --> 00:32:10.720
Okay, okay, okay.
00:32:10.960 --> 00:32:12.240
Yeah, yeah, yeah.
00:32:12.799 --> 00:32:14.880
I uh I appreciate you guys.
00:32:15.039 --> 00:32:20.079
Uh uh uh everybody's it's been a lot of companies calling me.
00:32:20.240 --> 00:32:28.559
Well, but uh I'm kind of comfortable with talking with you guys because you helped me get into my when I turned 65.
00:32:29.119 --> 00:32:33.839
And so uh I'm that's the reason why I'm sticking with you guys.
00:32:34.640 --> 00:32:36.720
Thanks for just yeah, well, we appreciate that.
00:32:36.880 --> 00:32:37.200
We do.
00:32:37.279 --> 00:32:42.240
We appreciate the opportunity to service your broker and and don't ever, ever really hesitate to contact us.
00:32:42.319 --> 00:32:43.519
We're we want to help you.
00:32:43.680 --> 00:32:43.839
Okay.
00:32:44.400 --> 00:32:57.039
Yeah, she reassured me that yesterday too, because I've been I wanted to call you guys uh a couple of times in the past, but I say no, that uh I and so I've been sticking it out, you know.
00:32:57.200 --> 00:33:01.359
So, but now she gave me the okay, she said, Well, call you should have called.
00:33:01.599 --> 00:33:01.839
Cole.
00:33:02.240 --> 00:33:02.480
Yeah.
00:33:03.759 --> 00:33:09.039
Something is wrong, and I knew something was wrong, but I just stuck it out till now.
00:33:09.279 --> 00:33:09.599
Okay.
00:33:09.759 --> 00:33:10.240
Sounds good.
00:33:10.319 --> 00:33:11.759
Well, I think you're you're on the right path.
00:33:11.839 --> 00:33:12.240
I really do.
00:33:12.319 --> 00:33:14.240
I don't blame you at all if it's not affordable.
00:33:14.400 --> 00:33:16.640
Let's find you a good advantage plan, okay?
00:33:17.119 --> 00:33:17.680
Okay then.
00:33:17.839 --> 00:33:18.240
Thank you, sir.
00:33:18.480 --> 00:33:19.519
Hey, nice talk to you, Ortis.
00:33:19.680 --> 00:33:22.559
Oh, can you tell me my tell me what time tomorrow?
00:33:22.720 --> 00:33:24.079
Is she supposed to call me?
00:33:24.160 --> 00:33:25.519
Or am I supposed to call in?
00:33:26.160 --> 00:33:27.839
No, no, she's gonna call you tomorrow.
00:33:28.000 --> 00:33:30.880
It looks like it's gonna be about 3.15 your time.
00:33:31.440 --> 00:33:31.839
His time.
00:33:32.000 --> 00:33:33.440
Yeah, 3.15 your time.
00:33:33.680 --> 00:33:35.519
Three three three fifteen my time.
00:33:35.839 --> 00:33:37.680
Yeah, and you be a little patient with her.
00:33:37.759 --> 00:33:40.720
Sometimes they're you know kind of backed up, so give her a little time.
00:33:40.880 --> 00:33:44.720
I mean, she may call right on time, but they're just very, very busy this time of year.
00:33:44.880 --> 00:33:46.640
So Well, God bless.
00:33:46.720 --> 00:33:47.279
Yes, yes.
00:33:47.359 --> 00:33:47.920
I appreciate it.
00:33:48.160 --> 00:33:49.200
Okay, we're just take care.
00:33:49.279 --> 00:33:50.000
Have a good day, sir.
00:33:50.640 --> 00:33:51.599
Yeah, you too.
00:33:51.759 --> 00:33:52.160
All right.
00:33:52.559 --> 00:33:53.519
Bye-bye.
00:33:54.559 --> 00:34:03.119
Word on the street is insurance carriers uh that you may have insurance with are reaching out to you, trying to switch you into a special type of plan.
00:34:03.440 --> 00:34:08.159
And in these communications, they're highlighting all of the pros, but of course, none of the cons.
00:34:08.239 --> 00:34:15.519
And if an insurance company is reaching out to you, you probably better be uh understand that it's in their interest and maybe not in your best interest.
00:34:15.679 --> 00:34:16.559
So come back tomorrow.
00:34:16.639 --> 00:34:22.079
If you're on a Medicare supplement plan, you need to be aware of what the insurance companies are trying to do this year.
00:34:22.159 --> 00:34:23.119
We'll see you then.
00:00:02.640 --> 00:00:23.280
If you want to get a supplemental plan for next year, or maybe even sooner, and you're trying to decide between a plan G or a plan N, or maybe you're on a plan G and you're thinking about saving some dollars by going down to a plan N, you're gonna learn today what all of those differences are and if that's a good move and which plan is right for you if you're just getting started.
00:00:23.440 --> 00:00:24.160
So stick with us.
00:00:24.320 --> 00:00:26.719
Welcome to the MedicareSchool.com answer hour.
00:00:26.879 --> 00:00:30.879
My name is Josh Music, and I'm here in the studio with my dad, my co-host Marvin Music.
00:00:31.039 --> 00:00:40.560
And whether you're just starting Medicare or maybe you've been on it for a while, or you're just starting Social Security, you're trying to figure out how to navigate through these complex government benefits, you are in the right place.
00:00:40.640 --> 00:00:45.679
In just a moment, you're gonna learn about the differences between supplemental plan G and N and which one is right for you.
00:00:45.759 --> 00:00:48.000
But if at any point you have a question, you can call in.
00:00:48.079 --> 00:00:51.200
The phone number to call in is 833-824-2004.
00:00:51.359 --> 00:00:53.280
833-824-2004.
00:00:53.439 --> 00:00:55.119
Monday through Thursday, 11 a.m.
00:00:55.280 --> 00:00:56.240
to noon central time.
00:00:56.399 --> 00:00:56.960
11 a.m.
00:00:57.119 --> 00:00:57.840
to noon central time.
00:00:58.000 --> 00:01:00.000
833-824-2004.
00:01:00.079 --> 00:01:01.679
So call in, get your questions answered.
00:01:01.759 --> 00:01:02.719
Don't make a mistake.
00:01:02.880 --> 00:01:07.599
Don't get stuck in a plan that you don't understand, and don't leave money on the table.
00:01:07.760 --> 00:01:09.760
Get all your questions answered right here.
00:01:10.799 --> 00:01:13.599
Dad, let's talk about supplemental plan G and Plan N.
00:01:13.920 --> 00:01:21.040
All right, so as we uh look at um the G Plan and the N plan, uh these are supplemental plans for those of you that may not be familiar.
00:01:21.120 --> 00:01:25.200
Uh so when someone goes on Medicare, they're either going to take an advantage plan or they're gonna take a supplemental plan.
00:01:25.439 --> 00:01:32.000
So as we look at the the G and the N plans, uh these are your your uh by far the most popular plans today.
00:01:32.159 --> 00:01:39.120
I think around 55 to 60 percent of all people are getting Gs, and then uh 40, 45 percent of people are getting N plans.
00:01:39.200 --> 00:01:44.480
Uh and so uh the difference would be this: the G would be the most comprehensive plan available today.
00:01:44.799 --> 00:01:45.840
That's what I'm on.
00:01:45.920 --> 00:01:52.959
Uh that's the plan that covers everything except for the Medicare B uh Part B deductible.
00:01:53.120 --> 00:01:54.560
This year that's$283.
00:01:55.359 --> 00:01:59.200
And so uh when we look at the original Medicare system A and B, they have gaps.
00:01:59.280 --> 00:02:02.000
There are six total gaps, three on the A, three on the B.
00:02:02.159 --> 00:02:10.240
So with the G plan, all the gaps are covered on the A, and all the gaps except the B deductible on the on the uh Part B side are covered by the G plan.
00:02:10.479 --> 00:02:12.159
So again, most comprehensive.
00:02:12.319 --> 00:02:15.039
Um uh the B deductible this year is$283.
00:02:15.599 --> 00:02:25.039
Uh you would have to meet whatever the B deductible is, and then after that, as long as you are seeing a Medicare provider getting a service covered by Medicare, then you would be not out-of-pocket anything, zero.
00:02:25.199 --> 00:02:28.319
It's truly a hundred percent coverage after the B deductible.
00:02:28.479 --> 00:02:32.400
And so uh it is also the most expensive because it is you know the most comprehensive coverage.
00:02:32.560 --> 00:02:40.319
So sometimes people don't want to spend the money on a G plan uh and they take one really very, very small step down to the N plan.
00:02:40.719 --> 00:02:43.759
Uh so it's a different letter, so it's obviously gonna have different coverage.
00:02:43.840 --> 00:02:50.560
Uh so that what the N plan does, uh it has a couple of co-pays, and the N plan will not pay excess.
00:02:50.800 --> 00:02:54.159
Excess is when a doctor adds 15 percent to the bill.
00:02:54.319 --> 00:02:59.919
And that 15 percent uh if you went to a doctor that did that, that would be then uh your responsibility.
00:03:00.240 --> 00:03:10.800
So again, the end plan is gonna cover everything just like the G does on the uh uh the A side of Medicare, 100 percent coverage for hospital and skilled nursing, all that, that's identical.
00:03:10.960 --> 00:03:13.520
But when we move to the B side, this is where it's different.
00:03:13.680 --> 00:03:18.400
Uh both G and N, you're responsible for the B deductible, so there's no difference there.
00:03:18.639 --> 00:03:29.759
But after that, what happens is on the N plan, uh instead of the the full 20 percent coinsurance being covered like the G plan does, you would first have to pay a copay.
00:03:30.000 --> 00:03:32.479
Uh if you went to a doctor, that would be$20 copay.
00:03:32.719 --> 00:03:35.120
If you went in the emergency room, it's a$50 copay.
00:03:35.439 --> 00:03:38.400
So the N has two copies that the G does not.
00:03:38.560 --> 00:03:43.039
So G covers the full 20 percent coinsurance, N will after you paid a copay.
00:03:43.199 --> 00:03:47.840
So you pay your$20, and then whatever coinsurance balance is, then your N plan will cover that.
00:03:48.000 --> 00:03:52.800
Go to the emergency room, you have a$50 copay, and then again, the N is going to pay the balance of that.
00:03:52.960 --> 00:03:59.280
And then if you had an excess charge where the doctor added uh to the bill, uh that would be your responsibility on the end plan.
00:03:59.520 --> 00:04:02.719
Now the good news is uh the excess charges are very rare.
00:04:02.800 --> 00:04:08.400
Uh probably at most, maybe 3 percent of the time, would you even encounter an excess charge, so it doesn't happen.
00:04:08.639 --> 00:04:11.120
Happens sometimes, but it's not very frequent.
00:04:11.280 --> 00:04:18.240
So you're not taking on a tremendous amount of risk when you uh have that implant because excess is uh very minimal.
00:04:18.319 --> 00:04:21.040
And then, of course, you have a couple uh you know reasonable copies.
00:04:21.279 --> 00:04:29.759
Now, the reason that people sometimes will go with the implant versus G is because it's normally going to be about$50 to$75 a month uh cheaper.
00:04:30.000 --> 00:04:31.199
It's less expensive.
00:04:31.360 --> 00:04:38.720
Uh and you're not taking on a whole lot of additional risk because you know these copays are small and the likelihood of excess is very, very rare.
00:04:38.959 --> 00:04:40.720
And so that is the difference between the G and the N.
00:04:40.879 --> 00:04:51.199
So if you're on a G and you're looking to save some money, but you still want to stay uh within the uh you know the uh Medicare supplemental system, uh then you can move down to an N.
00:04:51.439 --> 00:04:59.519
Uh if you're already on a plan, you've been on that for a while, it could be that we could find you a new carrier, a new company that would be offering you a better premium.
00:04:59.680 --> 00:05:03.839
We would be happy uh to actually uh shop that for you to see if you can improve your position.
00:05:04.000 --> 00:05:11.920
So some are moving from the G down to the N, some are uh just uh keeping the G but are just shopping it, others uh staying on the N and just shopping that as well.
00:05:12.000 --> 00:05:18.000
So it's a good time of the year uh to check to make sure you are on the very best plan at the very best price.
00:05:19.120 --> 00:05:22.399
All right, let's go to uh Frederico in Texas.
00:05:23.199 --> 00:05:24.399
Hello, Frederico.
00:05:24.480 --> 00:05:26.079
Uh welcome to the show today.
00:05:26.240 --> 00:05:26.959
Thanks for calling.
00:05:27.040 --> 00:05:28.800
Uh what kind of questions do you have for me?
00:05:29.040 --> 00:05:33.680
Uh my uh Blue Cross Blue Shield uh Medicaid Advantages.
00:05:34.000 --> 00:05:34.560
Yes, sir.
00:05:34.800 --> 00:05:39.040
I've been told that my the coverage will be offered next year.
00:05:39.279 --> 00:05:40.079
Yes, sir.
00:05:40.560 --> 00:05:52.959
And I was moving I was uh wondering whether I could move to Medicare supplement uh uh Medicap without going to underwriting.
00:05:53.279 --> 00:05:53.920
Yes, sir.
00:05:54.160 --> 00:05:55.199
And and that is true.
00:05:55.360 --> 00:06:00.399
And you do you have that letter that Blue Cross sent to you saying that your plan has been canceled?
00:06:00.720 --> 00:06:12.319
No, I'm still waiting for it, but uh I was I got an email from Medicare that they're saying that my plan is no longer offered for the uh Okay, that sounds good.
00:06:12.399 --> 00:06:22.560
Yeah, you do uh all I'm saying to you is that that letter is very, very important uh because that is the that's that's kind of your ticket uh to getting a Medigap policy without any underwriting.
00:06:22.639 --> 00:06:28.480
You have to have that letter in hand uh so that they can see that because that uh it's called guaranteed issue.
00:06:28.639 --> 00:06:36.480
Uh now, Frederico, you are going to um uh be uh uh uh uh getting a submetal plan it'd be a plan F.
00:06:36.879 --> 00:06:43.920
Anyone that starts Medicare before 1-1 of 2020, the no underwriting plan is uh the F plan.
00:06:44.319 --> 00:06:47.759
Uh and those are you know they're priced reasonably in Texas.
00:06:47.839 --> 00:06:53.199
Um I wish we could get you a G plan or N plan, but you can't get those without underwriting.
00:06:53.279 --> 00:06:54.959
So you would need to get an F plan.
00:06:55.199 --> 00:06:59.120
Uh and we'd be happy to give you some assistance with that if you would like.
00:06:59.199 --> 00:06:59.920
It's up to you.
00:07:00.240 --> 00:07:04.639
So you're saying that uh I'm stuck with the F and I cannot get the B plan?
00:07:05.040 --> 00:07:06.079
I'm saying the bed plan.
00:07:06.560 --> 00:07:09.839
Yeah, I'm saying without underwriting, you can only get the F plan.
00:07:10.319 --> 00:07:16.560
Uh but if you can go through underwriting, and and what I would do, I don't know, are you are you dealing with some serious health issues?
00:07:17.360 --> 00:07:30.079
Yeah, because I I w I uh went through this before, but I had I went through underwriting and it was I can't afford the Yeah, so you you're saying you got declined on the underwriting?
00:07:30.319 --> 00:07:34.639
I I had an offer, but it was too much that I cannot afford.
00:07:35.199 --> 00:07:36.079
Okay, I understand.
00:07:36.160 --> 00:07:40.480
But my question is, what is it that what what what are you dealing with with your health right now?
00:07:40.560 --> 00:07:41.680
What's going on?
00:07:42.639 --> 00:07:49.839
Oh, I got uh diabetes and uh I've had some heart problem, heart uh colour body problem.
00:07:50.399 --> 00:07:52.000
What kind of heart problems?
00:07:52.879 --> 00:07:59.040
Uh I had uh stent and uh we had uh dual bypass.
00:07:59.360 --> 00:08:02.319
Bypass, okay, and how long ago was the bypass and the stents?
00:08:02.560 --> 00:08:03.600
How long has it been?
00:08:04.720 --> 00:08:07.279
Uh the stint was just uh last month.
00:08:07.519 --> 00:08:08.160
Oh, okay.
00:08:08.399 --> 00:08:11.920
And the by the bypass was uh 2018.
00:08:12.399 --> 00:08:19.920
Okay, well the bypass wouldn't be a problem, but the stints in the last any stents within the last two years, yeah, you would not get through underwriting with that.
00:08:20.160 --> 00:08:22.639
Um very, very unlikely.
00:08:22.959 --> 00:08:36.399
Um so uh yeah, so if you cannot afford the F plan, then you really don't have uh you know a lot of a lot of options uh except to find a different advantage plan.
00:08:36.559 --> 00:08:44.480
Uh now once once uh you know the the stints have been uh uh beyond two years, then it could be that you could reapply.
00:08:44.639 --> 00:08:47.840
Um so you know for sure the F plan is not affordable.
00:08:48.159 --> 00:08:54.559
I've I've seen the numbers and uh I've uh read through your uh your info medica medical school.
00:08:54.960 --> 00:08:55.440
Yes, sir.
00:08:55.519 --> 00:09:00.480
Yeah, I saw that the the F plan was is the optimum, but it's that expensive.
00:09:00.879 --> 00:09:05.120
Yeah, I would how much would go go ahead.
00:09:05.679 --> 00:09:08.960
How much would that be in uh in Texas?
00:09:09.360 --> 00:09:10.159
The F plan?
00:09:11.600 --> 00:09:12.000
Uh-huh.
00:09:12.240 --> 00:09:12.559
Okay.
00:09:12.799 --> 00:09:18.399
Well, uh I don't I don't have um because you know we're we're on the we're on our podcast around the radio, so I I do not know.
00:09:19.200 --> 00:09:20.799
Yeah, but but I'm happy here.
00:09:20.879 --> 00:09:21.679
Do me a favor.
00:09:21.759 --> 00:09:26.000
Uh why don't you just just c let me give you the number to call and you can find out.
00:09:26.240 --> 00:09:29.679
Uh because you know we're brokers, so we write for a lot of different companies.
00:09:29.919 --> 00:09:34.639
In fact, we Texas is one of our biggest states for business, so we write for a lot of carers.
00:09:34.799 --> 00:09:36.799
Let's just see what those present rates are.
00:09:36.879 --> 00:09:38.799
Uh and if we can help we we will.
00:09:38.960 --> 00:09:43.039
Um and then uh so you said the stint implants just wasn't one month ago.
00:09:44.240 --> 00:09:45.279
Just one month ago, yeah.
00:09:45.519 --> 00:09:46.000
Yeah, yeah.
00:09:46.080 --> 00:09:48.720
Okay, yeah, that that definitely would would decline you for sure.
00:09:48.799 --> 00:09:50.559
But the F would be a guaranteed issue.
00:09:50.720 --> 00:09:51.600
So let me give you the number.
00:09:51.759 --> 00:09:53.279
Call in and ask to speak to an agent.
00:09:54.000 --> 00:09:59.840
That number is eight hundred seven eight two six six seven six.
00:10:00.080 --> 00:10:00.399
Uh-huh.
00:10:00.480 --> 00:10:00.639
Yeah.
00:10:00.799 --> 00:10:02.159
Eight hundred six six.
00:10:03.679 --> 00:10:04.080
Yes, sir.
00:10:04.159 --> 00:10:05.759
782-6676.
00:10:06.000 --> 00:10:11.840
Call in, speak to an agent, and let them know you're in Texas, uh, that you uh had your advantage plan canceled.
00:10:12.000 --> 00:10:16.320
You would like to uh look at the prices on an F plan, and they can pull those up for you in no time.
00:10:16.720 --> 00:10:16.960
Okay.
00:10:17.440 --> 00:10:18.480
Happy to do that, sir.
00:10:18.799 --> 00:10:21.120
And then you can make a decision at that time what you want to do.
00:10:21.200 --> 00:10:31.440
And then also, if you want, uh you can tell the agent if the F does not work, if you want them to help you see what else is available in your market for advantage plans, they can they can take care of that as well.
00:10:31.600 --> 00:10:31.919
Okay?
00:10:32.639 --> 00:10:32.960
Okay.
00:10:33.200 --> 00:10:33.440
Okay.
00:10:34.159 --> 00:10:34.879
Nice to talk to you.
00:10:34.960 --> 00:10:36.240
We sure appreciate your calling.
00:10:36.399 --> 00:10:37.200
Take care.
00:10:38.159 --> 00:10:40.240
All right, let's go to Paul in New York.
00:10:40.480 --> 00:10:41.200
Hello, Paul.
00:10:41.279 --> 00:10:42.080
Welcome to the program.
00:10:42.159 --> 00:10:43.759
Uh, what questions do you have for us today?
00:10:44.000 --> 00:10:50.480
Well, I am a uh just turned 87 years old, and I'm taking no meds regularly.
00:10:50.799 --> 00:11:04.159
But I'm paying a$105 premium for an AARP UNC RX Saber policy that I've had for as long as I have, the G plan from the same organization that I got about 2018.
00:11:04.240 --> 00:11:09.039
So I've had about eight years for the G Plan and their RX Saber plan.
00:11:09.279 --> 00:11:20.320
Now, my question is how does an 87-year-old person who's taking no meds choose the drug plan for next year when he starts to approach 90?
00:11:20.720 --> 00:11:21.039
Okay.
00:11:21.279 --> 00:11:22.000
Okay, very good.
00:11:22.080 --> 00:11:23.279
Well, let me ask you this.
00:11:23.360 --> 00:11:24.639
Uh uh Is it Paul?
00:11:24.720 --> 00:11:25.279
Is that correct?
00:11:25.440 --> 00:11:26.000
Is it Paul?
00:11:26.639 --> 00:11:27.120
It's Paul.
00:11:27.200 --> 00:11:27.279
Right.
00:11:27.519 --> 00:11:28.320
Okay, Paul, no problem.
00:11:28.399 --> 00:11:29.840
I just want to make sure I had your first name right.
00:11:30.000 --> 00:11:33.600
Paul, are do you do you do you ever go to the Medicare.gov website?
00:11:33.679 --> 00:11:36.000
Is that something you're familiar with at all?
00:11:36.960 --> 00:11:48.399
I am familiar with you folks and watch most of your stuff, but I've never came into come into a situation where I really used my my uh um prescription plans.
00:11:48.960 --> 00:11:49.440
Okay, I understand.
00:11:49.840 --> 00:11:54.080
I I started the both, in other words, I got them both at the same time eight years ago.
00:11:54.320 --> 00:12:02.639
Okay, and and as I've used them, I've never really had any big problems in in prescriptions and requiring uh to pay anything.
00:12:02.799 --> 00:12:02.960
Yeah.
00:12:03.200 --> 00:12:10.879
So as I suddenly find myself 89, I've now realized there's a possibility of getting a different company to pay for drugs.
00:12:11.440 --> 00:12:11.679
Yeah, yeah.
00:12:12.320 --> 00:12:13.440
That thing's wrapped up on you.
00:12:14.639 --> 00:12:14.799
Yeah.
00:12:15.039 --> 00:12:15.919
Yeah, exactly.
00:12:16.080 --> 00:12:19.600
And I'm one of those people who are more healthy than perhaps most.
00:12:20.000 --> 00:12:20.240
Okay.
00:12:20.480 --> 00:12:27.120
Well, look what what I'm asking you is this uh if you're comfortable uh using uh you know the computer, sounds like you probably are.
00:12:27.200 --> 00:12:28.720
You're you know, you're watching us.
00:12:28.799 --> 00:12:30.799
Uh there's two things I want to I want to tell you.
00:12:30.960 --> 00:12:39.519
Number one, uh at this very time, um at here in just 30 minutes, uh, which would be I know you're calling from uh are you calling from New York?
00:12:39.679 --> 00:12:40.080
Is that right?
00:12:40.320 --> 00:12:40.960
Okay, very good.
00:12:41.120 --> 00:12:43.919
So that it'll be it's gonna be one o'clock your time.
00:12:44.080 --> 00:12:45.840
Uh let me if you'll write this down.
00:12:45.919 --> 00:12:49.600
I want you the the it's uh it's a uh website you can go to.
00:12:49.679 --> 00:12:54.240
It's called live live rxtraining.com.
00:12:54.799 --> 00:12:56.960
Live rxtraining.com.
00:12:57.120 --> 00:12:58.000
I want you to go there.
00:12:58.159 --> 00:12:59.200
And that is that's us.
00:12:59.519 --> 00:13:05.600
And this is one of our team members uh every day, Monday to Thursday from noon to one Central Time.
00:13:05.840 --> 00:13:13.120
So, you know, one o'clock your time, uh, is showing people how to uh use the Medicare.gov website.
00:13:13.279 --> 00:13:14.159
Uh it's not hard.
00:13:14.240 --> 00:13:20.159
You could probably do it without uh the training anyways, but it you know, you can go on there, watch her name is Emmy, very knowledgeable.
00:13:20.320 --> 00:13:22.960
In fact, uh it could be that she'll she'll even do it for you.
00:13:23.039 --> 00:13:26.240
I know that she uh during that hour she uh helps people with this.
00:13:26.399 --> 00:13:30.639
So you can see how she does it, and then what's gonna happen is you're gonna get off that plan.
00:13:30.720 --> 00:13:32.960
You there's no reason to be on that saver plan.
00:13:33.039 --> 00:13:36.879
Uh it's just crept up so much, and and you know, I see this around the country with them.
00:13:37.120 --> 00:13:43.120
So I I can assure you uh there will be a lower cost drug plan available for you in New York.
00:13:43.200 --> 00:13:58.799
Uh and what will happen is uh th there'll be a list, there could be eight plans, could be ten, twelve, I don't know for sure in your zip code, uh, but it varies zip code to zip code, but there'll be some plans available, and you're just simply gonna select one of the plans uh that um now and you take no meds at all, is that correct?
00:13:58.960 --> 00:13:59.759
No meds?
00:14:00.080 --> 00:14:01.600
No, not no meds.
00:14:01.840 --> 00:14:03.200
I just just to have a cold.
00:14:03.600 --> 00:14:04.240
Okay, and that's fine.
00:14:04.559 --> 00:14:06.720
I spent$30 at the drugstore this year.
00:14:07.039 --> 00:14:07.840
Okay, that sounds good.
00:14:07.919 --> 00:14:14.080
So what's gonna happen is we're you're just simply gonna select the lowest premium drug plan in your zip code.
00:14:14.240 --> 00:14:17.120
Uh and uh and and and that'll be very obvious to you.
00:14:17.279 --> 00:14:20.159
Um and so it's it the site is Medicare.gov.
00:14:20.639 --> 00:14:27.120
Uh you if you go there without having the training, which you can do, you go to Medicare.gov, you're gonna put in your zip code.
00:14:27.200 --> 00:14:31.279
Uh and and there's a button that says find find health and drug plans.
00:14:31.519 --> 00:14:33.279
It's very simple, I promise you.
00:14:33.440 --> 00:14:41.360
So find health and drug plans, you'll put your zip code in, and they're gonna ask you, do you get any kind of uh uh subsidies from the government, any assistance?
00:14:41.759 --> 00:14:42.480
You probably don't.
00:14:42.639 --> 00:14:44.000
So you're gonna say no to that.
00:14:44.240 --> 00:14:45.360
And then it's gonna ask you this.
00:14:45.519 --> 00:14:48.320
It's gonna say, uh, do you do you want to look at drug cost?
00:14:48.480 --> 00:14:49.840
And you're gonna say no.
00:14:50.399 --> 00:14:56.080
And as soon as you say no to that question, uh all the drug plans in your area are gonna appear.
00:14:56.240 --> 00:14:59.840
And the very lowest cost one is gonna be at the very top of the list.
00:15:00.000 --> 00:15:00.320
Okay?
00:15:00.720 --> 00:15:01.840
Um it'll be there.
00:15:02.000 --> 00:15:04.480
And so just just uh you'll see the premium.
00:15:04.559 --> 00:15:06.799
Um and again, I don't know about New York.
00:15:06.879 --> 00:15:15.360
Uh, you know, there's a lot of drug plans around the country, but like in our area, the lowest cost drug plan for 2027 is five dollars and thirty cents a month.
00:15:15.519 --> 00:15:20.080
Uh some some markets it's the that same plan is nine dollars and sixty cents a month.
00:15:20.240 --> 00:15:25.039
But again, there should be a much lower cost drug plan available to you in your zip code.
00:15:25.120 --> 00:15:34.559
So Medicare.gov is the place, and if you'll go to that livearchstraining.com here in just you know 20 minutes, um you'll see Emmy walk you through that and she'll show you how to do it.
00:15:34.720 --> 00:15:35.919
So that's what you have to do.
00:15:36.000 --> 00:15:41.360
And then and then uh Paul, every year you you have to do this again because drug plans are only one year at a time.
00:15:41.519 --> 00:15:47.519
The plans can change whatever they want to, they can improve them, uh, they can make them worse, they can raise the premium, they can lower the premium.
00:15:47.600 --> 00:15:49.039
There's all kinds of things they can do.
00:15:49.200 --> 00:15:55.120
So you, as the Medicare consumer, you've got to go there every year to make sure you're still on the best drug plan.
00:15:55.360 --> 00:15:55.679
Okay?
00:15:56.000 --> 00:15:56.559
That's the problem.
00:15:57.519 --> 00:15:58.399
I think I'm a victim.
00:15:58.639 --> 00:16:04.960
I'm a victim of the idea that when you're only paying five dollars, there's not going to be very many drugs that you'd be able to get.
00:16:05.440 --> 00:16:05.840
That's not true.
00:16:06.720 --> 00:16:07.200
That's not true.
00:16:07.279 --> 00:16:08.720
Uh uh, listen, that's what I'm on.
00:16:08.879 --> 00:16:13.919
I take listen, I take no meds at all, and I I selected the lowest cost drug plan.
00:16:14.080 --> 00:16:17.120
It has 2,500 medications and formulary.
00:16:17.279 --> 00:16:19.120
Okay, so it's still a good drug plan.
00:16:19.279 --> 00:16:21.679
Now, it's not the Cadillac, but I don't need the Cadillac.
00:16:21.840 --> 00:16:24.399
And if I need the Cadillac next year, then I'll I'll change.
00:16:24.639 --> 00:16:30.320
So, yeah, just just just click on the button for the enroll I'll enroll button for the lowest cost plan in your market.
00:16:30.399 --> 00:16:32.960
I I promise you, you're you're not gonna be making a mistake.
00:16:33.120 --> 00:16:34.960
Uh it's gonna cover a lot of meds.
00:16:35.120 --> 00:16:42.960
Uh people that need these$100 and$150 uh plans are those folks that are typically taking, you know, 12, 15 medications every day.
00:16:43.120 --> 00:16:48.559
Whereas they have a lot of meds, and to get all those meds covered, uh uh they have to have a broader formulary.
00:16:48.639 --> 00:16:50.879
But this low-cost plan will be just fine for you.
00:16:51.039 --> 00:16:51.600
It will be.
00:16:51.759 --> 00:16:53.200
And then again, you can reach out to the money.
00:16:53.440 --> 00:16:54.720
And for for Go ahead.
00:16:54.879 --> 00:16:54.960
Yeah.
00:16:55.679 --> 00:17:02.320
For my age, it it would be still the I can be sure that there's going to be coverage for the whatever I might need.
00:17:02.480 --> 00:17:03.200
That's the problem.
00:17:03.360 --> 00:17:04.720
I have no idea what I might need.
00:17:05.119 --> 00:17:06.640
Yeah, of course, yeah, of course you don't.
00:17:06.799 --> 00:17:07.920
I I will say this.
00:17:08.079 --> 00:17:14.400
Uh if if there's a medication that's not in formula, formulary, then you can always ask for an exception.
00:17:14.640 --> 00:17:15.839
Okay, that's the way it works.
00:17:16.000 --> 00:17:18.960
So uh, but that's why I'm saying just take the lowest cost plan.
00:17:19.119 --> 00:17:20.480
It should be sufficient for you.
00:17:20.640 --> 00:17:22.559
You're I don't think you're taking a big risk.
00:17:22.720 --> 00:17:27.200
Um and and besides that, the the savor plan is not it it's a decent plan, but what happened?
00:17:27.359 --> 00:17:31.119
You know, healthcare decided this year uh they're they're not gonna lose money in drug plans.
00:17:31.200 --> 00:17:34.480
They raised their premiums anywhere from fifty to a hundred dollars per plan.
00:17:34.640 --> 00:17:36.480
Uh so they're gonna they're gonna make money.
00:17:36.559 --> 00:17:37.440
That's why they did that.
00:17:37.519 --> 00:17:41.279
They're the only ones really across the board that took those kind of increases.
00:17:41.440 --> 00:17:46.000
Now, others did definitely go up, but theirs went up drastically uh more than others.
00:17:46.160 --> 00:17:47.920
Okay, so uh get off that plan.
00:17:48.000 --> 00:17:48.720
Medicare.gov.
00:17:49.440 --> 00:17:51.200
And then you're welcome and uh watch Amy do it.
00:17:51.279 --> 00:17:52.559
She'll she'll show you how to do it, sir.
00:17:52.640 --> 00:17:52.960
Okay?
00:17:53.440 --> 00:17:55.680
Um it means a lot more when I hear from you.
00:17:56.079 --> 00:17:56.400
Thank you.
00:17:56.880 --> 00:17:59.279
Well, my privilege and great to talk with you.
00:17:59.359 --> 00:18:02.319
And Paul, don't hesitate to call again if you need us, okay?
00:18:03.039 --> 00:18:03.920
Thank you so much.
00:18:04.160 --> 00:18:05.039
Take care.
00:18:06.160 --> 00:18:09.119
All right, let's go to Lori in Massachusetts.
00:18:09.839 --> 00:18:10.559
Hi, Lori.
00:18:10.880 --> 00:18:12.160
Welcome uh to our show today.
00:18:12.240 --> 00:18:13.359
Uh glad you've called in.
00:18:13.440 --> 00:18:15.200
Uh, how can I be of help to you?
00:18:16.480 --> 00:18:20.799
I recently was added to the Medicare because I turned 65.
00:18:20.960 --> 00:18:21.359
Uh-huh.
00:18:21.759 --> 00:18:27.119
And I was looking to add um what I thought was my best choice.
00:18:28.400 --> 00:18:29.839
Young Brigham Remens plan.
00:18:30.160 --> 00:18:30.559
Uh-huh.
00:18:31.440 --> 00:18:36.240
Listed as an advantage plan that I fell into as an option.
00:18:36.480 --> 00:18:48.480
I went to sign up and with another agent and found out that I hadn't actually been signed up, that the link he sent me was not the correct link, and couldn't process it on my own.
00:18:48.799 --> 00:18:59.920
But then looking into it further, found out that none of the plans are taking on new clients without an 18-month wait for a first visit.
00:19:00.319 --> 00:19:06.640
Is that something that you help with as well as when you're looking into a plan for someone and making suggestions?
00:19:07.519 --> 00:19:08.559
Sure, sure.
00:19:08.720 --> 00:19:15.680
Well, uh uh what you're saying is that some of the doctors that were within that network were not taking any any new clients.
00:19:15.839 --> 00:19:16.960
Is that what you said?
00:19:17.759 --> 00:19:22.640
The ones that are listed on the websites are not updated on their website.
00:19:23.039 --> 00:19:23.359
Okay.
00:19:23.759 --> 00:19:33.680
As well as um, I spoke with 19 different offices, and out of the 19, only three had availability, and it was an 18-month wait for an appointment.
00:19:34.000 --> 00:19:34.960
Oh wow, that's crazy.
00:19:35.119 --> 00:19:36.799
Okay, so Laurie, let me ask you this.
00:19:36.960 --> 00:19:44.160
Uh it sounds like you you you you did enroll into an advantage plan, and did you say you you have since disenrolled from that plan?
00:19:45.039 --> 00:19:46.240
They never signed me up.
00:19:46.480 --> 00:19:50.799
I went through a process with an agent and then come to find out it didn't go through.
00:19:51.119 --> 00:19:51.759
It didn't complete it.
00:19:51.839 --> 00:19:52.240
Okay, very good.
00:19:52.319 --> 00:19:53.200
Okay, so let me ask you this.
00:19:55.599 --> 00:20:03.599
Okay, so uh is it within your budget to get a Medicare supplemental plan or is a Medicare Advantage going to be the only thing that's gonna fit for you financially?
00:20:05.119 --> 00:20:09.599
The advantage plan was a better fit for me because there was no out-of-pocket.
00:20:10.240 --> 00:20:11.039
Okay, okay.
00:20:11.200 --> 00:20:14.559
Do you all uh are you also on Massachusetts Medicaid?
00:20:15.759 --> 00:20:16.000
No.
00:20:16.319 --> 00:20:16.960
Okay, you're not.
00:20:17.039 --> 00:20:18.640
Okay, so just Medicare only.
00:20:18.799 --> 00:20:19.119
All right.
00:20:19.359 --> 00:20:24.480
All right, so when you talk about something not being out of pocket, I'm assuming you're saying the premium.
00:20:24.640 --> 00:20:29.359
Uh because advantage plans you pay, but you pay as you need healthcare services.
00:20:29.440 --> 00:20:32.160
Uh there's no premium other than what you pay Medicare.
00:20:32.319 --> 00:20:34.240
And so is that what you meant by that?
00:20:35.519 --> 00:20:35.920
Correct.
00:20:36.240 --> 00:20:37.119
Okay, okay, sounds good.
00:20:37.279 --> 00:20:40.319
So to answer your question, uh, what happens if you want us to help you?
00:20:40.400 --> 00:20:41.519
Uh we'd be delighted to.
00:20:41.599 --> 00:20:42.400
You can you can call in.
00:20:42.480 --> 00:20:46.559
I can give you the our our number to our office, not not the show, but the office.
00:20:46.799 --> 00:20:49.759
And when you call in, uh you can let uh the agent know.
00:20:49.839 --> 00:20:53.359
And by the way, the agent whoever you talk to, I know personally, I've trained them.
00:20:53.440 --> 00:20:55.920
Uh so they will uh walk you through the process.
00:20:56.000 --> 00:21:06.799
Now, what we have available to us uh is whenever we we pick a plan out and we're we're gonna find out you know your doctors, uh then it it will let us know accepting new patients or or not.
00:21:07.119 --> 00:21:12.640
Now, we're we uh too are dependent upon uh the accuracy of the websites.
00:21:12.880 --> 00:21:26.079
Uh so my whole point is that uh what we could do is we can make sure that if you find a plan that you like based upon uh the um max out of pocket, based upon the copayments and all the variables that go into the advantage point.
00:21:26.319 --> 00:21:37.039
Once you find a plan, uh then we can give you um a list of some of the doctors that uh apparently are that that that appear to us to be taking new patients, and then you can always call them.
00:21:37.119 --> 00:21:45.119
And then if you find find out that that that they're not, uh then what we can do, then we'll go back to the drawing board and try to find you another plan.
00:21:45.359 --> 00:21:47.039
Okay, that's the way it would have to work.
00:21:47.119 --> 00:21:52.720
But we would we would stick with you to make sure uh that uh uh you can you can find a doctor.
00:21:52.960 --> 00:21:55.119
Uh but again, you you're probably gonna have to call.
00:21:55.279 --> 00:22:01.119
Again, the websites in our my experience they have been pretty accurate, but you're saying uh Not so on your own.
00:22:01.359 --> 00:22:01.680
Not at all.
00:22:01.839 --> 00:22:01.920
Okay.
00:22:03.119 --> 00:22:04.400
And I and I believe you totally.
00:22:04.559 --> 00:22:08.720
So um and I'm sorry, and I'm not sure why that would happen so much in Massachusetts.
00:22:08.880 --> 00:22:10.799
Most places it it is truly accurate.
00:22:10.960 --> 00:22:13.759
But if you want us to walk you through the process, we're happy to.
00:22:14.079 --> 00:22:21.839
We'll you know we're not we're we'll complete the enrollment, um, uh we'll serve you, you know, our customer service team will, so we're happy to help you with that.
00:22:22.000 --> 00:22:23.680
Uh but that's exactly how it works.
00:22:23.839 --> 00:22:30.000
We checked, we check docs, and uh on every every single company website it says accepting new patients or not.
00:22:30.160 --> 00:22:35.119
Um and then we can give you that number and then you could call that office to to you know indeed find out.
00:22:35.279 --> 00:22:37.519
So you did say that there were three that did.
00:22:37.680 --> 00:22:39.279
Were you not happy with those docs?
00:22:39.759 --> 00:22:42.319
The three that said they they would they're taking new patients?
00:22:43.039 --> 00:22:46.160
I can't wait 18 months for uh unappointment.
00:22:46.559 --> 00:22:47.599
Okay, yeah, that's crazy.
00:22:47.759 --> 00:22:49.599
I have I've honestly never heard of that.
00:22:49.680 --> 00:22:50.799
That yeah, that's bizarre.
00:22:51.039 --> 00:23:01.039
Uh so I think if I were you Okay, I'd go back to the drawing board and then of course you have your list of the 19, so when you're talking to one of our agents, you can say, no, no, no, no, no.
00:23:01.119 --> 00:23:02.799
Let's just keep eliminating.
00:23:02.960 --> 00:23:07.359
And then find out uh what plan will fit and then give you some more options for docs.
00:23:07.920 --> 00:23:11.920
Uh so obviously there's a shortage of uh primary care doctors in your area.
00:23:12.880 --> 00:23:13.839
Yes, hugely.
00:23:14.160 --> 00:23:14.400
Yeah.
00:23:14.720 --> 00:23:15.039
Okay.
00:23:15.440 --> 00:23:26.559
Uh now another thing that you could consider is uh if if it's available in Massachusetts is being on a PPO plan, and then you you don't have to have a referral, you could just go to a specialist.
00:23:26.720 --> 00:23:30.000
And that may be you know a maybe a better fit for you.
00:23:30.079 --> 00:23:35.119
Uh maybe an internist or something that was classified as a specialist instead of just a primary care doctor.
00:23:35.279 --> 00:23:36.880
Would you feel comfortable doing that, Lori?
00:23:37.680 --> 00:23:38.960
Uh Yeah, totally.
00:23:39.200 --> 00:23:45.519
Um I don't have a I don't have a current list of doctors.
00:23:45.839 --> 00:23:46.079
Okay.
00:23:46.240 --> 00:23:48.000
Well, I'm just looking to start.
00:23:48.480 --> 00:23:48.720
Okay.
00:23:48.880 --> 00:23:49.119
Yeah.
00:23:49.279 --> 00:24:02.400
Well again, once once we knew what plan uh you you want, we could make sure you know exactly what the website is that would show the different providers and maybe just going directly to a specialist, which you can do on a PPO without a referral.
00:24:02.559 --> 00:24:04.880
Uh you just call them up and set the appointment up.
00:24:05.039 --> 00:24:09.759
Uh so that may be kind of a way around that so you don't have to wait forever on a on a primary care doc.
00:24:10.000 --> 00:24:10.880
But I'd suggest calling.
00:24:10.960 --> 00:24:16.000
Uh you know, our agents will they will they'll care about you, they'll be thorough with you, they'll be truthful with you.
00:24:16.160 --> 00:24:19.680
Um I think we just go back to the drawing board and start this process over.
00:24:19.839 --> 00:24:28.079
Uh you're already beyond the period of time where you can actually start an advantage plan for this year, but you're within the perfect time to start one on you know January 1st.
00:24:28.160 --> 00:24:30.000
Uh so this is the perfect time to do this.
00:24:30.640 --> 00:24:30.880
Okay.
00:24:31.119 --> 00:24:32.640
Uh do you do you have our office number?
00:24:35.920 --> 00:24:36.880
Okay, let me just give it to you.
00:24:37.680 --> 00:24:38.880
And uh you can you can call in.
00:24:38.960 --> 00:24:44.960
We're we're of course we're in Kansas City, so we're on in the central time zone so just an hour behind you.
00:24:45.039 --> 00:24:49.519
But it's 800 782 6676.
00:24:50.400 --> 00:24:53.920
800 782 6676.
00:24:54.400 --> 00:25:03.359
Uh and it's very possible that when you call in uh that the reception team uh can uh you know transfer you to an agent that's you know that has availability.
00:25:03.440 --> 00:25:07.920
If not, if everyone's tied up, then uh they will take your information down and then call you back.
00:25:08.480 --> 00:25:08.720
Okay.
00:25:09.039 --> 00:25:10.319
We just call it a live transfer.
00:25:10.400 --> 00:25:15.119
So we have agents available uh all the time um you know during the day, 7 a.m.
00:25:15.359 --> 00:25:16.079
to 7 p.m.
00:25:16.720 --> 00:25:16.960
Okay.
00:25:17.839 --> 00:25:21.359
So call that number, ask for an agent, and um we'll help you.
00:25:21.519 --> 00:25:24.720
And then Lori, feel free to feel free to reach out to me again if you need to as well.
00:25:24.799 --> 00:25:25.359
I don't mind.
00:25:25.519 --> 00:25:25.839
Okay.
00:25:26.720 --> 00:25:27.039
Thanks.
00:25:27.279 --> 00:25:27.759
Appreciate it.
00:25:28.079 --> 00:25:29.359
Okay, nice to talk with you.
00:25:30.240 --> 00:25:30.559
Thank you.
00:25:30.960 --> 00:25:31.200
Thank you.
00:25:31.359 --> 00:25:31.680
Bye.
00:25:32.960 --> 00:25:35.200
Let's talk to Ortis in Nevada.
00:25:35.359 --> 00:25:38.000
Otis, welcome to the Medicare School.com answer hour.
00:25:38.160 --> 00:25:39.839
What questions do you have for us?
00:25:41.200 --> 00:25:54.160
Yes, uh and when I turned 65, uh, I watched your show and I stayed with uh the red, white, and blue part, but I bought a uh got a supplement plan.
00:25:55.200 --> 00:26:04.400
And uh the first year was cool, but now I'm 67 and my premiums done went up.
00:26:04.880 --> 00:26:14.799
Uh and and and my deductible them went up, and it's it's gonna go up again because they sent me a letter saying it's going in.
00:26:15.039 --> 00:26:18.640
So now it's taking most of my social security checks.
00:26:18.799 --> 00:26:42.000
So is it best to stay on a supplemental plan and or can't do I need to change to advantage plan because uh uh my RD is good till uh January because they sent a letter saying they're no longer going to cover cover uh me.
00:26:42.640 --> 00:26:46.720
Uh they're dropping me at the you know, the end of the year.
00:26:47.039 --> 00:26:50.240
And they changed from signal to health strength.
00:26:51.359 --> 00:27:15.759
And now and so now, and then it would you know I've it i I can't get my medicine because I have to pay I pay a deductible, but I have to uh what they say some kind of premium, some until I meet that premium or whatever it is, uh, I have to pay uh almost half for my medicine.
00:27:16.079 --> 00:27:23.440
Because I got a the doctor to have me on the medicine, it's a thousand dollars and they want me to pay five hundred dollars for the medicine.
00:27:23.680 --> 00:27:24.480
Five forty.
00:27:25.039 --> 00:27:25.279
Yeah.
00:27:26.319 --> 00:27:36.640
Okay, yeah, or to so yeah, this would be a situation where if it's not possible for you to be able to afford the supplemental plan, it just doesn't fit your budget, then that's exactly what I would do.
00:27:36.720 --> 00:27:38.160
I would go on an advantage plan.
00:27:38.319 --> 00:27:40.880
Uh you do not want to be insurance poor, okay?
00:27:41.119 --> 00:27:48.799
Uh we love supplemental plans, there's good reason for that, but it's just not uh doable for everyone, uh, and certainly no shame in that at all.
00:27:49.039 --> 00:27:57.759
So uh let us help you find the very best uh advanced plan for your situation because we'd want to check doctors, hospitals, uh all your medications.
00:27:57.839 --> 00:28:00.960
So there in your market, there's probably 35, 40 plans done.
00:28:01.279 --> 00:28:01.680
Yeah, how many?
00:28:01.839 --> 00:28:03.119
39 plans right now.
00:28:03.359 --> 00:28:09.599
So we can look at all of those plans with you, make a quick comparison, and just see what's gonna be the best for you.
00:28:09.759 --> 00:28:15.599
Uh so the way it works, Ortis, you you are gonna have to keep that supplemental plan uh through the end of this year.
00:28:15.839 --> 00:28:22.480
But at this time, even today, uh we can help you to make a decision uh as to what advanced plan is gonna be the best fit.
00:28:22.720 --> 00:28:37.359
So uh what would happen, that advantage plan then would automatically uh it's gonna it's gonna kick out uh the drug plan automatically, but you will have to call the supplemental company uh right about the mid-December and let them know you're canceling that effective one one.
00:28:37.759 --> 00:28:38.640
So you'd call Health Spring.
00:28:38.799 --> 00:28:40.720
Yeah, and say, I don't want this plan anymore.
00:28:41.039 --> 00:28:41.200
Yeah.
00:28:41.599 --> 00:28:43.519
So uh that's the way I'd handle that.
00:28:43.680 --> 00:28:47.359
Okay, so uh do you have our number to your office?
00:28:47.519 --> 00:28:49.759
Because Josh can give it to you right now if you don't have it.
00:28:50.079 --> 00:28:55.279
Yeah, and you can call in literally right now and talk with someone here at our company that can help you.
00:28:55.359 --> 00:28:56.960
You got your pen and paper?
00:28:58.319 --> 00:29:11.519
Yeah, well uh uh with this help, I I have another uh uh uh call for tomorrow uh for the lady to switch to help me.
00:29:11.839 --> 00:29:23.359
Uh I forget her name, but uh we have an appointment for a phone call tomorrow for uh for her to help me switch switch plans.
00:29:23.680 --> 00:29:34.240
Yeah, that's because uh but I wanted to talk to you guys first because that's what I did last time to to help me get a better understanding of what's going on.
00:29:34.720 --> 00:29:46.079
And I kind of basically know because uh a lot of people are not uh even my dad has United Healthcare, uh AARP United Healthcare.
00:29:46.240 --> 00:29:51.519
And it's a lot of places that I try to take him, and he's 88 years old.
00:29:51.680 --> 00:29:53.680
Uh they won't accept it.
00:29:53.839 --> 00:29:57.119
And a couple of places don't accept my supplement plan.
00:29:57.440 --> 00:30:02.559
So uh I want to I think I want to go with Humana Healthcare.
00:30:03.119 --> 00:30:03.519
Okay, yeah.
00:30:03.680 --> 00:30:11.920
So you're tomorrow I looked to you up, you're you're gonna meet with I think you're meeting with Haley uh here at our company, and she'll take wonderful care of you.
00:30:12.000 --> 00:30:20.319
She's a real sweet lady, very, very good um at at at being able to help you switch over into a plan that'll really fit your budget better.
00:30:21.119 --> 00:30:21.440
Okay.
00:30:21.759 --> 00:30:33.920
So now uh this one okay, like I'm being treated for certain health things, and that that's been for 14 years before I be got into Medicare.
00:30:34.079 --> 00:30:35.920
So is that gonna be a problem?
00:30:36.160 --> 00:30:36.319
No.
00:30:36.640 --> 00:30:38.160
No, there's no health underwriting.
00:30:38.400 --> 00:30:39.519
Yeah, there's yeah, not at all.
00:30:39.599 --> 00:30:47.119
And then you'll just what'll happen is when you go to the doctor after January 1, you just have to let them know you've changed your insurance.
00:30:47.200 --> 00:30:49.359
Uh but your your care will just continue on.
00:30:49.440 --> 00:30:51.519
You're just gonna have a different insurance company.
00:30:51.680 --> 00:30:52.000
Okay.
00:30:52.319 --> 00:31:02.720
Uh and then what Haley will do, Ortis, is she'll explain to you uh what your co-pay co-payments, uh, your co-pays could be any kind of out-of-pocket expense that you're going to incur.
00:31:02.799 --> 00:31:08.640
Uh, you more than likely are not gonna have to pay a premium, so you just have to pay some co-pays for services.
00:31:08.799 --> 00:31:09.839
Does that make sense, sir?
00:31:10.319 --> 00:31:10.480
Okay.
00:31:10.880 --> 00:31:11.759
Yeah, that makes sense.
00:31:12.160 --> 00:31:12.480
Yeah, yeah.
00:31:12.640 --> 00:31:13.119
Yeah, yeah, yeah.
00:31:13.440 --> 00:31:17.119
Yeah, and Haley she knows what she's doing, so she'll be to help you.
00:31:17.200 --> 00:31:17.359
Go ahead.
00:31:17.440 --> 00:31:18.799
I didn't mean to cut you off.
00:31:19.119 --> 00:31:20.319
Oh, no, no, no, no.
00:31:20.400 --> 00:31:21.359
You're good, you're good.
00:31:21.519 --> 00:31:27.920
Uh so you tell said said that I have to call about mid-December to cancel my drug plan.
00:31:28.240 --> 00:31:29.119
No, no, no.
00:31:29.359 --> 00:31:30.960
No, the supplemental plan.
00:31:31.119 --> 00:31:33.920
Yeah, the Oh, the supplemental plan, yeah, yeah, yeah, yeah.
00:31:34.160 --> 00:31:34.480
That's right.
00:31:34.559 --> 00:31:36.799
Yeah, we can't we can't cancel that for you.
00:31:36.960 --> 00:31:46.079
Now, what I was saying is that when you and Haley, you you all pick out uh an advantage plan, it will cancel out the uh drug plan automatically 1-1.
00:31:46.880 --> 00:31:48.000
Okay, that happens.
00:31:48.240 --> 00:31:51.119
But the supplemental plan is not gonna be automatically canceled.
00:31:51.200 --> 00:31:51.759
It can't be.
00:31:51.920 --> 00:31:53.200
You have to make that phone call.
00:31:53.359 --> 00:31:57.599
Okay, so I just don't want you to forget that because I know you're paying on a monthly basis.
00:31:57.680 --> 00:32:01.440
So uh after you've paid that December premium, you'll be done on that plan.
00:32:01.599 --> 00:32:06.640
You're gonna cancel around the 15th effective one one, and all will be all will be a smooth transition.
00:32:08.160 --> 00:32:09.200
Oh, okay.
00:32:09.359 --> 00:32:10.720
Okay, okay, okay.
00:32:10.960 --> 00:32:12.240
Yeah, yeah, yeah.
00:32:12.799 --> 00:32:14.880
I uh I appreciate you guys.
00:32:15.039 --> 00:32:20.079
Uh uh uh everybody's it's been a lot of companies calling me.
00:32:20.240 --> 00:32:28.559
Well, but uh I'm kind of comfortable with talking with you guys because you helped me get into my when I turned 65.
00:32:29.119 --> 00:32:33.839
And so uh I'm that's the reason why I'm sticking with you guys.
00:32:34.640 --> 00:32:36.720
Thanks for just yeah, well, we appreciate that.
00:32:36.880 --> 00:32:37.200
We do.
00:32:37.279 --> 00:32:42.240
We appreciate the opportunity to service your broker and and don't ever, ever really hesitate to contact us.
00:32:42.319 --> 00:32:43.519
We're we want to help you.
00:32:43.680 --> 00:32:43.839
Okay.
00:32:44.400 --> 00:32:57.039
Yeah, she reassured me that yesterday too, because I've been I wanted to call you guys uh a couple of times in the past, but I say no, that uh I and so I've been sticking it out, you know.
00:32:57.200 --> 00:33:01.359
So, but now she gave me the okay, she said, Well, call you should have called.
00:33:01.599 --> 00:33:01.839
Cole.
00:33:02.240 --> 00:33:02.480
Yeah.
00:33:03.759 --> 00:33:09.039
Something is wrong, and I knew something was wrong, but I just stuck it out till now.
00:33:09.279 --> 00:33:09.599
Okay.
00:33:09.759 --> 00:33:10.240
Sounds good.
00:33:10.319 --> 00:33:11.759
Well, I think you're you're on the right path.
00:33:11.839 --> 00:33:12.240
I really do.
00:33:12.319 --> 00:33:14.240
I don't blame you at all if it's not affordable.
00:33:14.400 --> 00:33:16.640
Let's find you a good advantage plan, okay?
00:33:17.119 --> 00:33:17.680
Okay then.
00:33:17.839 --> 00:33:18.240
Thank you, sir.
00:33:18.480 --> 00:33:19.519
Hey, nice talk to you, Ortis.
00:33:19.680 --> 00:33:22.559
Oh, can you tell me my tell me what time tomorrow?
00:33:22.720 --> 00:33:24.079
Is she supposed to call me?
00:33:24.160 --> 00:33:25.519
Or am I supposed to call in?
00:33:26.160 --> 00:33:27.839
No, no, she's gonna call you tomorrow.
00:33:28.000 --> 00:33:30.880
It looks like it's gonna be about 3.15 your time.
00:33:31.440 --> 00:33:31.839
His time.
00:33:32.000 --> 00:33:33.440
Yeah, 3.15 your time.
00:33:33.680 --> 00:33:35.519
Three three three fifteen my time.
00:33:35.839 --> 00:33:37.680
Yeah, and you be a little patient with her.
00:33:37.759 --> 00:33:40.720
Sometimes they're you know kind of backed up, so give her a little time.
00:33:40.880 --> 00:33:44.720
I mean, she may call right on time, but they're just very, very busy this time of year.
00:33:44.880 --> 00:33:46.640
So Well, God bless.
00:33:46.720 --> 00:33:47.279
Yes, yes.
00:33:47.359 --> 00:33:47.920
I appreciate it.
00:33:48.160 --> 00:33:49.200
Okay, we're just take care.
00:33:49.279 --> 00:33:50.000
Have a good day, sir.
00:33:50.640 --> 00:33:51.599
Yeah, you too.
00:33:51.759 --> 00:33:52.160
All right.
00:33:52.559 --> 00:33:53.519
Bye-bye.
00:33:54.559 --> 00:34:03.119
Word on the street is insurance carriers uh that you may have insurance with are reaching out to you, trying to switch you into a special type of plan.
00:34:03.440 --> 00:34:08.159
And in these communications, they're highlighting all of the pros, but of course, none of the cons.
00:34:08.239 --> 00:34:15.519
And if an insurance company is reaching out to you, you probably better be uh understand that it's in their interest and maybe not in your best interest.
00:34:15.679 --> 00:34:16.559
So come back tomorrow.
00:34:16.639 --> 00:34:22.079
If you're on a Medicare supplement plan, you need to be aware of what the insurance companies are trying to do this year.
00:34:22.159 --> 00:34:23.119
We'll see you then.
