บทถอดความฉบับเต็มของ Deciding Between Supplemental Plan G and Plan N for 2027

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.