Podcasts about medicare supplement plan f

Medicare Supplement Plan F, Plan G, and Plan N are the top three most popular Medicare Supplement plans available today. However, each plan has its own perks to bring to the table. Watch to learn the different benefits of Medicare Supplement Plan F vs Plan G vs Plan N. Learn more about this topic HERE: https://www.medicarefaq.com/faqs/medicare-supplement-plan-f-vs-plan-g-vs-plan-n/WE CARE ABOUT YOUR MEDICARE #MedicareSupplement #MedicareFAQ #MedicareSupplementPlans SUBSCRIBE: Did you find this video helpful? Subscribe to our channel for more informative Medicare videos! Be sure to hit the bell to be notified when we publish a new video: https://www.youtube.com/@Medicarefaq CONTACT US: MedicareFAQ has helped over 50,000 Medicare clients save hundreds of dollars by comparing rates online. Get a quote today from 30+ carriers & plans in your area! Plus, our services are 100% FREE! Click this link to get started: https://rates.medicarefaq.com/ CHECK OUT OUR WEBSITE: Our online resource center is built to give you unbiased information regarding your Medicare coverage choices: https://www.medicarefaq.com/   MEDICARE FACEBOOK COMMUNITY: Join our exclusive Medicare Facebook community! Whether you're a current Medicare beneficiary, taking care of a loved one on Medicare, or will be aging into Medicare shortly, this is your sales-free Medicare resource center: https://www.facebook.com/groups/MedicareFAQ LET'S CONNECT: https://www.facebook.com/MedicareFAQhttps://twitter.com/medicarefaqhttps://www.instagram.com/medicarefaqhttps://www.pinterest.com/medicarefaq https://www.tiktok.com/@medicarefaq

On this episode of Medicare Moments with Toni King, Toni answers a question from Carol, a married 70-year-old whose husband is undergoing treatment for cancer while she is in good health. Their Medicare problem? Carol's Medicare Supplement Plan F premium increased by 20 percent! Now Carol and her husband aren't sure if they can afford the plan and don't know how to make a change. Listen now to hear Toni's advice!See omnystudio.com/listener for privacy information.

A better copy of the the source article "What to do about the reported Plan F Death Spiral" allows me to clarify prior remarks. The likely unpleasant future premium cost for those who own Plan F can be relieved with the help of an insurance agent. If one is able to switch to Plan G or, better yet, High Deductible Plan G (HDG), one's cash flow prospects will improve dramatically! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A)   Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com

When looking at Medicare Supplement plans, you have a few options! The most popular Medigap plans are Medicare Supplement Plan F, Medicare Supplement Plan G, and Medicare Supplement Plan N. This episode reviews the different coverage levels of these MediGap plans and when to choose each one to supplement your Medicare Part A and Medicare Part B coverage.

Original Medicare with a Medicare Supplement plan is great coverage, but how do you choose the best Medigap plan? This episode reviews the best Medicare Supplement plans for 2020, including the coverage supplementing what Medicare Part A and Medicare Part B don't cover. The benefits of Medicare Supplement Plan G, Medicare Supplement Plan N, Medicare Supplement Plan F, and Medicare high-deductible plans are covered!

The most powerful Medicare insurance protection is Medicare Supplement. The most bang for your bucks is Medicare Supplement High Deductible Plan G (or F) It saves you considerable money each month while severely limiting the risk of loss during a year of abnormally expensive medical charges.Medicare seriousness starts at minute 11:30.In California, non-smokers aged 65 pay as little as $29 per month for excellent Medicare insurance protection! Also, enjoy hearing about an eventful weekend in Benson, Arizona and some pointers about using the government website to choose a Part D drug plan!Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer review & help future readers.Official website: https://www.MedicareForTheLazyMan.comSend questions & love notes: DBJ@MLMMailbag.com

If you're not sure which Medicare Supplement plan to enroll in, don't go anywhere! Today, we're going to review the top Medicare Supplement plans.Hi everyone, my name is Lindsay Engle. I'm the Medicare expert for Elite Insurance Partners and MedicareFAQ.com.The top Medicare Supplement plans include Plan F, Plan G, and Plan N.First, we'll talk about Plan F. Medicare Supplement Plan F is one of the most popular plans due to it leaving you with zero out-of-pocket costs outside of your monthly premium. Plan F is considered first-dollar coverage. This means that when you go to the doctor or the hospital, you'll never have to pay any copays, coinsurance, or deductibles. It's important to remember, though, that more benefits come with a higher monthly premium. So, Plan F is one of the more expensive plans because it includes the most benefits.Plan F is only available to those eligible for Medicare prior to 2020. Regardless of if you have enrolled in Part B and a Medigap plan already, you are still eligible to enroll in Plan F. Those who were not eligible to enroll in Medicare before 2020 are not eligible to enroll in Plan F.The runner-up plan to Plan F is Plan G. If you are not eligible for Medicare until after 2020, Plan G is the plan with the most benefits you are eligible for. Plan G covers all the same things as Plan F. The only difference is the Part B deductible. So, when you go to the doctor's office, you'll be responsible for paying the Part B deductible. Once you've met the Part B deductible, your benefits will kick in at 100% and you'll have no additional out-of-pocket costs.Last but not least on our top Medigap plan list is Plan N. With Plan N, you'll still be responsible for the Part B deductible. In addition, you'll be responsible for a $20 copay at the doctor's office and a $50 copay at the emergency room. These copays keep your monthly premium lower. The only other out-of-pocket cost you'll be responsible for with Plan N is in the form of excess charges. The majority of beneficiaries don't need to worry about excess charges. To learn more about excess charges, read our article below.That about wraps it up! We hope you found this video on the top Medigap plans helpful. If you did, make sure to subscribe to our YouTube channel. Don't forget to turn notifications on so that you're notified every time we upload a new video. We also have a fantastic Medicare Community on Facebook. Click the link below to join!https://www.facebook.com/groups/MedicareFAQ

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ "Medicare Done Right with MedicareBob" Why Is Medicare Supplement Plan F Increasing In Price? Starting January 1st, 2020 Plan F has been discontinued for new enrollees into Medicare. If you turned 65 or started Medicare before January 1st, 2020 you can still purchase the Plan F. In this video, Medicarebob tells you the truth about Plan F and answers the following questions: If I have Plan F, can I keep it? Will my rates increase significantly if I am on Plan F? Medicarebob discusses these questions in great detail along with some much needed information on Plan F. For more information on your options, please call: 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareBob YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1 #whyismedicaresupplementplanfincreasinginprice #medicaresupplementplanfincreasing #medicareplanf2020

Hi everyone. I'm Lindsay Engle and I'm with Elite Insurance Partners and MedicareFAQ.com. Thank you so much for joining us. And in today's video, we're going to discuss and compare the differences between Medigap Plan F versus Plan G versus Plan N. But before we start comparing the plans, we need to address some important changes that have impacted all Medicare beneficiaries that were newly eligible as of 2020. The year that you became eligible for Medicare is what will determine which plans you are eligible to enroll in. So if you are eligible for Medicare before 2020, you can enroll at any of the top three plans being Plan F Plan G or Plan N. If you were not eligible for Medicare until this year or after 2020, you will not be eligible to enroll in Plan F. Your options will be Plan G and Plan N. Plan F is considered a first-dollar coverage plan because it will leave beneficiaries with zero out-of-pocket costs outside of their monthly premium. With Plan F you'll have no cost-sharing. This includes deductibles, coinsurance, and co-pays.Plan G has been the runner-up plan to Plan F due to it covering almost all of the same benefits. The only Benefit Plan G does not cover is the Part B deductible. The Part B deductible is $198. What this means is you'll have coverage for all of your out-of-pocket expenses, including co-pays coinsurance and deductibles. Once you've met that Part B deductible of $198, the only out-of-pocket costs will be what your monthly premium for Plan G. Plan N has quickly become one of the most popular choices that our clients choose to enroll in. Plan N is considered a cost-sharing plan. This is because when you visit the doctor's office or the emergency room, you will have a small copay to pay. These co-pays are what keeps your monthly premium low. When you go to the doctor's office, you'll have a $20 copay. If you end up in the emergency room, you'll have a $50 copay. In addition to the co-pays, you'll be responsible for the Part B deductible of $198 as well as any excess charges. However, most beneficiaries don't need to be concerned with excess charges. Some states do not even allow them and most doctors won't charge you with excess charges. Quick tip, If you can find an urgent care facility near you, then you won't have any copay to pay when you go to visit. This is important to take into consideration if you visit the doctor's office often. If you are not one to visit the doctor's office often then Plan N may be a good choice for you. It's important to remember that premiums vary from state to state. For more information, please visit https://www.medicarefaq.com/faqs/plan-f-vs-plan-g-vs-plan-n/For information on the 2020 changes visit https://www.medicarefaq.com/faqs/medicare-changes-2020/Plan F - https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-f/Plan G - https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-g/Plan N - https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-n/Like what you see? Join our Facebook group! It's a group dedicated to helping people become educated on Medicare. Whether you're a current Medicare beneficiary, taking care of a loved one on Medicare, or will be aging into Medicare shortly, this is your Medicare resource center.https://www.facebook.com/groups/MedicareFAQ/

Hi there. I'm Lindsay Engle and I'm the Medicare expert for Elite Insurance Partners and MedicareFAQ.com. And today's topic, we're going to talk all about Medicare Supplement Plan F. Medicare Supplement Plan F, also known as Medigap Plan F, has been the number one choice among many Medicare beneficiaries do to leaving you with zero out-of-pocket cost. Medigap Plan F is considered a first-dollar coverage plan. This Is because outside of your monthly premium it will pay for any cost sharing that you may be responsible for after Medicare pays their portion. Now the benefits may be very attractive to beneficiaries, however, with more benefits comes higher monthly premiums. Good news is if you find the monthly premiums for Plan F to be a little too high for your monthly budget, you do have some alternative options. The two alternative options you have are the high deductible version of Plan F as well as Plan G. All Medigap plans are standardized by the government. This means that regardless of the letter plan you choose the benefits will be the same across all carriers. That's why it's important to work with the license agent. That way they can compare the same letter plan across all carriers to find you the lowest premium. Now before you start comparing premiums for Plan F across all the carriers in your area. It's important to note if you're eligible to begin with. If you became medicare-eligible before 2020, then you are eligible to enroll in any first-dollar coverage plan. That includes planet F High Deductible Plan F and Plan C. However, if you were not eligible for Medicare until after 2020, you will not be eligible to enroll in Plan F. The best alternative would be Plan G.Thank you so much for watching today. I hope you found this video on Plan F helpful. Until next time. Bye.Plan F: https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-f/High Deductible Plan F: https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-f-high-deductible/Plan G: https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-g/High Deductible Plan G: https://www.medicarefaq.com/medicare-supplements/medigap-plans/medigap-plan-g-high-deductible/All Medigap Plans: https://www.medicarefaq.com/medicare-supplements/medigap-plans/Like what you see? Join our Facebook group! It's a group dedicated to helping people become educated on Medicare. Whether you're a current Medicare beneficiary, taking care of a loved one on Medicare, or will be aging into Medicare shortly, this is your Medicare resource center.https://www.facebook.com/groups/MedicareFAQ/

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ There seems to be a lot of confusion with the Plan F now that it’s 2020. In this video, Robert Bache “MedicareBob” will be breaking down what is going on with the Medicare Supplement Plan F for 2020. First topic is “Can you keep your Plan F?” The answer is Yes, if you have the Plan F or Plan C before January 1st, 2020 you will be grandfathered into those plans. Medicare’s website states: “Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.” https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies The next topic is “Should you keep your Plan F?”There has been some serious debate on whether or not you should keep the Plan F or switch to the Plan G or Plan N. The Plan F is a great plan, however with the changes that have been made to the plan, it is not the most cost-effective Medicare Supplement plan. 1. Medical Underwriting. Most people do not realize that in order to switch any of the Medicare Supplements you must medically qualify. Many people are saying they want to wait to switch because they want to wait to see if the premiums will increase with the Plan F. However, if in a year or more you want to switch, it may not be possible because of health reasons. Now, if you already have the Plan F and have pre-existing conditions, you should definitely keep it because the coverage will be much better than a Medicare Advantage plan which will most likely be the only plan you will qualify for. 2. Part B Deductible Increasing. The Part B Deductible is likely to continue increasing. This will also cause the Plan F Premiums to increase at a higher rate than Plan G or Plan N. Let me explain: Imagine that Plan F, Plan G and Plan N all have one million people in each plan and the Part B deductible increases by $20. The one million people in the Plan G and Plan N all pay their own deductible so the insurance company is not going to have to pay any more money for the clients in those two plans. However, the one million people in the Plan F have their deductible paid by the insurance company. So, the Plan F is going to cost the insurance company $20 million more that year because of that increase in the Part B deductible. Who do you think will pay for that? Definitely not the carrier. 3. Guaranteed Issue plan. The Plan F is still going the be the G.I. plan for anyone that is able to purchase the Plan F before January 1st, 2020. Over the next 10 years, anyone that qualifies for a G.I. plan will still be a much older group of people than the Plan G. Statistically, the older we get the more we will go to the doctor/hospital. The more claims in any plan, the higher the premiums. If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareBob YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

The Medicare premiums, deductibles and co-payment amounts have been officially updated for 2020. Social security saw a rather small increase of only 1.6%, which will be eaten up by Medicare’s Part B premium increase. 2020 Medicare Part A Deductible and Coinsurance Inpatient hospital deductible: $1,408.00 Daily Coinsurance Days 61-90: $352.00 Daily Coinsurance-Lifetime Reserve: $704.00 Skilled Nursing Facility Days 21-100: $176.00 2020 Medicare Part B Premium and Annual Deductible Standard Monthly Premium: $144.60 Annual Deductible: $198.00 How will the Medicare Part B annual deductible increasing impact you if you have a Medicare Supplement? If you have a Medicare Supplement Plan F, the deductible is paid for you so you would not have to worry about that increase as far as what your out-of-pocket costs are going to be. If you have the Medicare Supplement Plan G, then the only out-of-pocket cost that’s going to increase for you is the Part B deductible going up $13.00 from $185 to $198. If you have the Medicare Supplement Plan N, the only out-of-pocket increase will be the Part B deductible as well. The co-pays will stay the same as well as the Part B excess charges. Many people are asking if the Plan F will be a better option than the Plan G because the Part B deductible increased. Look at it from the carrier’s perspective: Imagine that Plan F and Plan G both have one million people in each plan and the Part B deductible increased by $13.00. The Plan F is now going to have to pay an additional $13 million out of their budget to cover the deductible increase for their clients. However, the one million people in the Plan G all pay their own deductible so the insurance company is not going to have to pay any more money for their clients in the Plan G to cover that deductible increase because all of those clients already pay their own deductible. In this situation, it’s much more likely that the Plan F is going to see the more significant premium increase to make up for the $13 million increase. There have been some changes with Medicare Part D plans as well. CVS purchased Aetna but in order for them to do so, Aetna had to sell all of its Part D plans. WellCare, another Medicare Part D company, purchased all of Aetna’s Part D plans. Those clients that were on an Aetna Part D plan are now going to rollover into a WellCare Plan. Humana made another huge change to their Part D plan, Humana Walmart. If you have the Humana Walmart plan, you should have received a letter from the carrier in September or October explaining that you’re being rolled over into what’s called Humana Premier plan and the premiums are going to be around $56 to $60 per month depending on where you live. This is a very high increase specifically because most clients on the Humana Walmart plan are taking only a few generic medications. If you have that plan, you do not have to take that roll over. There are other options out there. You have until December 7th to shop your options which we can help you do at this link: https://www.seniorhealthcaredirect.com/2020-medicare-part-d-finder-form-lead-form/

MACRA is officially here. Covered in great detail on https://MedicareAgentTraining.com , MACRA prohibits those newly eligible for Medicare to purchase a supplement plan that covers the Part B deductible. As such, Medicare Supplement Plan C and Medicare Supplement Plan F can no longer be purchased by those newly eligible for Medicare after January 1, 2020. […] The post SAP 095: MACRA Scenarios for Agents | Medicare Agent Training appeared first on Senior Agent Podcast.

MACRA is officially here. Covered in great detail on https://MedicareAgentTraining.com , MACRA prohibits those newly eligible for Medicare to purchase a supplement plan that covers the Part B deductible. As such, Medicare Supplement Plan C and Medicare Supplement Plan F can no longer be purchased by those newly eligible for Medicare after January 1, 2020. […] The post SAP 095: MACRA Scenarios for Agents | Medicare Agent Training appeared first on Senior Agent Podcast.

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ Mutual of Omaha is one of the oldest Medicare Supplement carriers in the nation having been founded in 1909. They offer a wide range of Medicare Supplement plans and the three most comprehensive of these plans are Plan F, Plan G and Plan N. · Plan F – The Medicare Supplement Plan F is the most comprehensive Medicare Supplement Plan that you can buy. The coverage with the Plan F is amazing. With the Plan F you can keep your Doctor and go to any hospital in the Country that accepts Medicare. Medicare Supplement Plan F pays the Medicare Part A Deductible. Medicare Supplement Plan F pays the Medicare Part A per day hospital charge that starts day 90. Plan F will also pay for an additional 80 days in a Skilled Nursing Facility. Medicare Supplement Plan F pays the Medicare Part B Deductible. Medicare Supplement Plan F pays the 20% that Medicare Part B does not pay. · Plan G – This is the Medicare Supplement Plan that I recommend for 2020. The Medicare Supplement Plan G is the second most comprehensive Medicare Supplement plan available. The coverage with the Medicare Supplement Plan G is some of the best coverage you will ever have in your life. It’s almost exactly the same as the Plan F. The Medicare Supplement Plan G covers all of your Medicare out-of-pocket costs except for the Medicare Part B annual deductible ($185 for 2019). Once that deductible has been met, you have complete coverage just like the Plan F. · Plan N - The Medicare Supplement Plan N is the third most comprehensive Medicare Supplement Plan of all the Medicare Supplements. The Medicare Supplement Plan N is a great plan for anyone that wants the flexibility of a Medicare Supplement but doesn’t want to pay a high premium. Medicare Supplement Plan N is also called Medigap Plan N. The Medicare Supplement Plan N does have a few out-of-pocket costs that come with it. The Plan N is almost exactly like the Plan G in that you have to pay Medicare’s Part B annual deductible. After that deductible is met you also have up to but no more than a $20 co-pay for doctor’s visits, a $50 co-pay for ER visits and you are responsible for Part B excess charges. That is when doctors are allowed to charge up to an additional 15% over and above what Medicare has approved. If you have any questions regarding Medicare Supplement carriers, Medicare Supplements or Medicare Supplement prices, please give our office a call at 1-855-368-4717 or visit one of our pages: Website – https://www.seniorhealthcaredirect.com/ Facebook – https://www.facebook.com/MedicareBob/ Podcast – https://anchor.fm/MedicareBob Twitter – https://twitter.com/MedicareBob YouTube – https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ Medicare Supplement Plan G - Plan G Benefits - Plan G Quotes The Medicare Supplement Plan G is the second most comprehensive Medicare Supplement plan available. The coverage with the Medicare Supplement Plan G is some of the best coverage you will ever have in your life. The Medicare Supplement Plan G covers all of your Medicare out-of-pocket costs except for the Medicare Part B annual deductible ($185 for 2019). The Medicare Supplement Plan G covers the following services: · The Medicare Part A hospital deductible – if you are hospitalized with the Medicare Supplement Plan G, you will have no hospital bill. · Medicare Part B coinsurance or co-payment – there are no co-pays with the Medicare Supplement Plan G. · Blood (the first 3 pints) · Medicare Part A hospice care coinsurance or co-payment · Skilled nursing facility care coinsurance · Medicare Part A coinsurance and hospital costs up to an additional year after Medicare benefits are used up · Medicare Part B Excess Charges - This is when doctors are allowed to charge up to an additional 15% over and above what Medicare has approved. · Foreign Travel benefits – this covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn't otherwise cover the care. It pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year and has a lifetime limit of $50,000. · There is no out-of-pocket limit The Medicare Supplement Plan G is often compared to the Medicare Supplement Plan F and there is a debate on which plan is better, the Medicare Supplement Plan F or the Medicare Supplement Plan G. The coverage between the two plans is essentially the same, so it’s not a matter of which is the better coverage, it’s a matter of which plan offers the best coverage for the best price. The Medicare Supplement Plan F is a great plan with great coverage however, the Medicare Supplement Plan F typically has a higher premium than the Medicare Supplement Plan G. On average, the Medicare Supplement Plan F costs anywhere from $600 to $800 more a year than the Medicare Supplement Plan G. The only two differences between the plans is that Medicare Supplement Plan F covers Medicare’s Part B annual deductible and the Medicare Supplement Plan G doesn’t. If the only difference in the two plans is the $185.00 deductible, why pay the Medicare Supplement Plan F $600 to $800 more a year for it to only cover $185 on your behalf? If you have any questions regarding Medicare Supplements, please give our office a call at 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareBob YouTube -https://www.youtube.com/c/RobertBache?_confirmation=1 #medicaresupplementplang #plangbenefits #plangquotes

Medicare Supplement Plan F is the most comprehensive Medicare Supplement Plan that you can buy. The coverage with the Plan F is amazing. With the Plan F you can keep your Doctor and go to any hospital in the Country that accepts Medicare. Medicare Supplement Plan F pays the Medicare Part A Deductible. Medicare Supplement Plan F pays the Medicare Part A per day hospital charge that starts day 90. Plan F will also pay for an additional 80 days in a Skilled Nursing Facility. Medicare Supplement Plan F pays the Medicare Part B Deductible. Medicare Supplement Plan F pays the 20% that Medicare Part B does not pay. Medicare Supplement Plan F benefits are not changing in 2020. There is speculation that due to no one that turns 65 after January 2020 will be able to purchase the Plan F that the premiums could be raising substantially due to an increase. This could happen, however the Medicare Supplement Plan F will not be able to require all applicants to medically qualify, this could actually cause the Plan F premiums to be very stable. You are in complete control and there is not a "season" for shopping Medicare Supplement Plans. The Annual Enrollment Period of October 15th though December 7th does not affect the Medicare Supplement Plan F. All of the top Medicare Supplement Carriers offer Medicare Supplement Plan F. To name a few, Aetna Medicare Supplement F, Cigna Medicare Supplement F, AARP Medicare Supplement Plan F, Mutual of Omaha Medicare Supplement Plan F, Manhattan Life Medicare Supplement Plan F, Blue Cross Blue Shield Medicare Supplement Plan F, United American Medicare Supplement Plan F, Heartland National Medicare Supplement Plan F, Bankers Fidelity Medicare Supplement Plan F, United Healthcare Medicare Supplement Plan F, GPM Medicare Supplement Plan F and there are more great Carriers offering the Medicare Supplement Plan F. Plan F quotes - Medigap Plan F quotes. Medicare Supplement Plan F quote anywhere in the Country. Request a quote! https://www.seniorhealthcaredirect.co... #MedicareSupplementPlanF #PlanFBenefits #PlanFQuotes Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareBob YouTube -https://www.youtube.com/c/RobertBache...

We are half-way through 2019 and most people have received or will receive their Notice of Increase from their Medicare Supplement carriers. It’s a very common misconception that you can only change your Medicare Supplement once a year starting in October. However, that is untrue. The October to December annual enrollment deadline only applies to Medicare Part D drug plans and Medicare Advantage (Medicare Part C) plans. If you have a Medicare Supplement plan, you can shop your plan all year long. One very important thing to remember about Medicare Supplement plans is that they are federally regulated plans. The letter of the plan dictates the coverage, not the carrier, so there is no reason to pay more with one carrier over another. So, if you received your Notice of Increase in the mail and you’re unhappy with the increase amount, you can contact your broker and have them shop the other carriers in your area for a better rate with the same exact coverage. You wouldn’t have to change your doctors, hospitals etc. because Medicare Supplements do not have networks. Medicare is their network, so if your doctor or hospital accepts your current Medicare Supplement plan, whether it be a Plan F or a Plan G, they will accept a new plan with a new carrier. For example: If you have the Medicare Supplement Plan F and your premium has recently increased by $20, you can call a broker like my company, and they will shop all the available carriers in your area with your plan. Or should you want to switch to a more affordable plan such as the Medicare Supplement Plan G (the average cost of the Plan F is $600-$800 more a year in premiums than the Plan G), my company can help you save on the Medicare Supplement Plan F premiums by switching to the Medicare Supplement Plan G. The coverage is almost exactly the same except the Medicare Supplement Plan G does not cover Medicare’s Part B annual deductible of $185. There is no need to over pay for your Medicare Supplement when all the plans coverage is the same, the only difference is price. If you have any questions regarding Medicare, it’s coverage or plan options, please give our office a call at 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareB YouTube - https://www.youtube.com/channel/UCy_avKva4VN0DBEgjP7I43w?view_as=subscriber

Medicare Supplement Plan D, is a true Medicare Supplement that works with Medicare to fill in the gaps to Medicare Parts A and B and pay the bills that Medicare does not pay. It should not be confused with Medicare PART D, which are prescription plans that are specifically designed to cover your medications. Medicare Supplement Plan D is a very comprehensive plan. If you compare it to Medicare Supplement Plan F, which fills in all the holes to Medicare, there are only two differences to Medicare Supplement Plan D and Medicare Supplement Plan F. The Medicare Supplement Plan D does not cover Medicare’s very small Part B annual deductible of $185.00 for 2019. After you pay that Part B deductible, you’ll have no co-pays or any other out-out-pocket costs for Medicare covered services. Like all Medicare Supplement plans, the Medicare Supplement Plan D does not have any networks. You have the freedom to go to any doctor or any hospital in the country that accepts Original Medicare. The last difference with Medicare Supplement Plan D from Medicare Supplement Plan F is that it does not cover Medicare Part B excess charges. Some doctors accept what is called the “assigned” rate for their work. Others charge a higher rate, but they cannot charge more than 15 percent more than the assigned rate. For example, Medicare might decide that the fair “assigned” rate for a specific procedure should be $400. A doctor who accepts the Medicare assignment would bill at or below that rate. However, your doctor may decide that $400 is not a sufficient reimbursement. Doctors are allowed to charge up to an additional 15% over and above what Medicare has approved. Therefore, in this case, your doctor could charge you $460 and you would be responsible for paying the additional $60 “excess” charge out-of-pocket ($400 X 15% = $60 excess charge) in addition to any deductible and co-pay. These charges are rare and a good way to avoid them is to ask if your doctor accepts Medicare Assignment. Also, it should be noted that Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont do NOT allow Medicare Part B excess charges so the Medicare Supplement Plan D would be a great option in these states because you would be protected from the Medicare Part B excess charges. If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareB YouTube - https://www.youtube.com/channel/UCy_avKva4VN0DBEgjP7I43w?view_as=subscriber

The Medicare Supplement Plan M is a plan that Medicare insurance agents rarely about, however I feel that it may be the plan of the future. There are many talks on how the Medicare Supplement Plan N is the plan of the future with all the MACRA changes that are coming to the Plan F and the Medicare Supplement Plan N is a great plan. However, I just want to touch on the Medicare Supplement Plan M, what it covers and why I think it’s the Medicare Supplement Plan of the future. If you are looking into your options for coverage and you don’t quite see the value in spending the higher premiums for a Medicare Supplement plan such a Medicare Supplement Plan F, Medicare Supplement Plan G or Medicare Supplement Plan N but you also do not want the restrictions of Networks with Medicare Advantage Plans like with HMO’s and PPO’s; the Medicare Supplement Plan M might be the plan for you. The Medicare Supplement Plan M gives you the flexibility of a Medicare Supplement without dictating what doctors you can see and the premiums are much more affordable than some of the Medicare Supplements available. You would still need to purchase a separate Medicare Supplement Part D plan for your medications because, as with all the Medicare Supplement Plans, it does not cover medications. The Medicare Supplement Plan M covers the following: · Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up – 100% coverage · Part B coinsurance or copayment – 100% coverage · Blood (first 3 pints) – 100% · Part A hospice care coinsurance or copayment – 100% · Skilled nursing facility care coinsurance – 100% · Part A deductible ($1,364 for 2019) – 50% · Part B deductible ($185 for 2019) – 0% · Part B excess charges – 0% · Foreign travel exchange (up to plan limits) – 80% Medicare’s website has a list of all the Medicare Supplement plans so you can easily compare the plans to determine what Medicare Supplement Plan is the best suited for your needs. The Medicare Supplement Plan G is still the Medicare Supplement Plan that I recommend over all because it is some of the best coverage you will ever have in your life. My goal here is to educate all seniors on all of their options. I would much rather you choose a plan instead of being sold a plan. If you have any questions regarding Medicare, it’s plans or what they cover please give our office a call at 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareB YouTube - https://www.youtube.com/channel/UCy_avKva4VN0DBEgjP7I43w?view_as=subscriber

Hey Medicare Nation! www.TheMedicareNation.com On the Last episode.....I spoke to you about Medicare Supplement Plan "F" and High Deductible Plan F. Today....I'm going to talk about Medicare Supplement Plan "G" and Plan "N" Plan "G" allows you to "purchase" an insurance policy, where you pay a monthly premium to the carrier...... in return...... Medicare Supplement Plan G, will pay ALL your Medically necessary out-of-pocket deductibles, co-insurance and co-pays...... EXCEPT for ..... The Annual Part B Deductible. YOU will be responsible for the Annual Part B deductible each year. Currently.... in 2019, the Annual Part B Deductible is $185.00. So..... when you seek medical care in the beginning of the year.... you will pay out-of-pocket until you hit the $185.00 Part B Deductible. After you pay the $185.00 Part B Deductible....you will NOT be responsible for ANY other deductibles, co-pays or co-insurance under Medicare Supplement Plan G, that are medically necessary under Medicare. Plan "N" allows you to "purchase" an insurance policy, where you pay a monthly premium to the carrier...... in return...... Medicare Supplement Plan N, will pay ALL your Medically necessary out-of-pocket deductibles, co-insurance and co-pays...... EXCEPT for ..... 1. The Annual Part B Deductible ($185.00 in 2019) 2. A co-pay of up to $20.00 for each doctor visit. 3. A co-pay of $50.00 if you go to the Emergency Room and you are "Discharged" from the Emergency Room. If you are "admitted" to the hospital from the ER... you will NOT incur a $50.00 co-pay. If you have paid all of your Part B Deductible, you will have NO other out-of-pocket costs while you are an inpatient in the hospital. 4. If you seek treatment, testing or diagnostic testing from a physician or facility that does NOT accept Medicare, you WILL be responsible for 100% of the cost of that service. The provider or facility can legally charge you 15% above and beyond the Medicare Allowable charge. It is vital that you always ask prior to receiving care, a test or doctor visit....if the physician or facility "accepts Medicare."  If they do.....your charges are outlined above. If they do not accept Medicare..... you may be responsible for ALL of the charges, up to 15% of the Medicare Allowable charge. ASK BEFORE YOU SEE A DR or RECEIVE TREATMENT! Prices for Medicare Supplements VARY by zipcode! Get quotes from MANY different insurance carriers prior to enrolling in a plan. You could save hundreds....sometimes over a thousand dollars a year! HAVE a Question for ME? Send it to me at  Support@TheMedicareNation.com I will answer ALL emails I receive.... personally! If the answer to your question will take me more than 1 paragraph to answer... or .... it is necessary to do some research for you in order to answer the question.... I will respond and advise you to hire me as your consultant. Many of your questions may be answered on the official Medicare website - www.Medicare.gov Always do YOUR Due Dilligence before you enroll in a Medicare Plan! Consider leaving a review & rating on the Medicare Nation Podcast page in iTunes.  http://nation.reviews/medicare8   Thanks for listening to Medicare Nation! Show your Parents how to "Subscribe" to Medicare Nation. With over 100 episodes... most of their questions will be answered by listening to my episodes. This way... your parents are NOT bothering YOU for information about Medicare! Enjoy time for yourself and your family! Teach people how to "subscribe" to Medicare Nation! YOU will be responsible for the Annual Part B deductible each year.

The 2 most popular Medicare free analysis of your particle situation.  The best advice for you.  Tracy McManamon will break it all down for you.  Hear what this 31 year insurance industry expert has to say. Free consultation to Podcast listeners.

The 2 most popular Medicare free analysis of your particle situation.  The best advice for you.  Tracy McManamon will break it all down for you.  Hear what this 31 year insurance industry expert has to say. Free consultation to Podcast listeners.

If you are wanting to upgrade from a Medicare Advantage Plan to a Medicare Supplement or if you are switching from one Medicare Supplement Plan to another Medicare Supplement Plan, you will have to medically qualify to change. In most states, if you have a Medicare Advantage Plan (HMO or PPO) and you would like to upgrade to a Medicare Supplement Plan, every carrier has a set of health questions that you will have to answer. This is known as underwriting. If you can not pass underwriting, you will not be able to upgrade. The same rule applies if you are switching from one Medicare Supplement Plan to another. For example, if you have a Medicare Supplement Plan F and are wanting to switch to the Medicare Supplement Plan G in order to save money on your coverage, you will be subjected to medical underwriting.

The Medicare Supplement Plan F has been the most popular Medicare Supplement plan over the last 25-30 years. I call it the "Full Coverage” plan because you can go to any doctor or any hospital in the country that accepts Original Medicare and as long as it’s a Medicare covered service, there are no co-pays or deductibles, all the bills are paid. However, in 2019 the better choice is Medicare Supplement Plan G, which I call “Greatest Value”. The only difference in benefits between the Medicare Supplement Plan F and the Medicare Supplement Plan G is Medicare’s Part B annual deductible, which for 2019 is $185. Once that deductible has been paid, the Medicare Supplement Plan G covers exactly like the Medicare Supplement Plan F. There are two reasons why I recommend the Medicare Supplement Plan G over the Medicare Supplement Plan F. 1. The difference in premiums between the two plans will save you money. The average cost of the Plan F is $600-$800 more a year in premiums than the Plan G. If the only difference between the two plans is $185, why pay that much more in premiums to Plan F for it to only pay $185 on your behalf? For those of you that have been on the Plan F for more than a few years, you could probably save $800-$1,200 in the year by switching from the Plan F to the Plan G. 2. With the changes being made to the Plan F by MACRA in 2020, the Plan G has a much more stable premium than the Plan F and I’m anticipating that to continue.

Three of the most popular and most comprehensive Medicare Supplements for 2019 are Plan F, Plan G and Plan N. These plans are explained in the list below: • Plan F “Full Coverage” – The name says it all. The Medicare Supplement Plan F covers the 20% that Medicare does not pay completely. You have no copays; no deductible and you can go to any doctor or hospital as long as they accept Original Medicare. • Plan G “Greatest Value” – The Medicare Supplement Plan G will cover you exactly like the Medicare Supplement Plan F except for one difference; you will have to pay Medicare’s Part B annual deductible, which for 2019 is $183.00. After you meet that deductible the Medicare Supplement Plan G covers exactly like the Medicare Supplement Plan F. You have no copays; no deductibles and you can go to any doctor or hospital that accepts Original Medicare. • Plan N “Not Fixed” – The Medicare Supplement Plan N is a really good plan. There are 4 differences between Medicare Supplement Plan F and the Medicare Supplement Plan N. Just like Medicare Supplement Plan G, you pay the Medicare Part B annual deductible of $183.00. After that is paid, you have up to a $20.00 copay per doctor visit, $50.00 copay per ER visit and you are responsible for Part B excess charges. This means that if the doctor does not accept Medicare assignment (charges more than what Medicare charges), you may have to pay up to 15% more. MedicareBob’s recommendation for 2019 is the Medicare Supplement Plan G and these are the reasons why: 1. I like Medicare Supplement Plan G better than Medicare Supplement Plan F because it’s going to give you the same coverage at a greater value. The Medicare Supplement Plan F is going to cost you more in annualized premiums than the Medicare Part B annual deductible. On average the Medicare Supplement Plan F costs around $600 more annually than the Medicare Supplement Plan G. If they only difference between the two plans is that Part B deductible of $183.00, why pay an insurance carrier that much more a year for them to only pay $183.00 on your behalf? It doesn’t make sense. 2. I like Medicare Supplement Plan G better than Medicare Supplement Plan N because it’s going to keep your healthcare costs fixed. A lot of people are on a fixed income and one of the biggest unknown costs that any of us face, especially as we get older, is healthcare costs. The Medicare Supplement Plan G’s only out of pocket cost is going to be Medicare’s Part B annual deductible of $183.00, whether you have a good year or a bad year. The Medicare Supplement Plan N has extra costs with the copays and Part B excess charges. You don’t know how many times you may have to go to the doctor or ER in a year and you don’t know if the doctor is going to charge you Part B excess charges.

There are three main reasons why the Medicare Supplement Plan G is a greater value than the Medicare Supplement Plan F. 1. Simple math. Plan F costs $300-$800 more per year in premium than Plan G, so why pay plan F more when the only difference in benefits is that Plan G has a small $183 deductible? 2. Plan F is the guaranteed issue plan which means that, in certain situations a person can purchase a Plan F if they are unhealthy. Whereas, you must medically qualify for the Plan G after you turn 65. No exceptions. 3. Plan F is being discontinued. No one that turns 65 after 01/01/2020 will be able to purchase the Plan F. This will cause the Plan F premiums to increase quickly and the Plan G premiums to remain more stable because there will be fewer people in Plan F over time and the Plan G will continue to accept people.

One question that has been asked regularly is “What does the Medicare Supplement Plan G cover?” The Medicare Supplement Plan G offers almost exactly the same coverage as the Medicare Supplement Plan F. One of these coverages is Medicare Part B Excess Charges. The Medicare Supplement Plan G does cover Part B Excess Charges. Every provider and doctor that excepts Medicare has one of two contracts with Medicare. They can accept what’s called “Medicare Assignment”, meaning that they will not negotiate with Medicare on prices. Medicare will dictate what they can charge for a service such as lab work, MRI, CAT scan etc. Doctors or providers that do not accept Medicare Assignment are permitted to charge more than what Medicare allows, however they can not charge more than 15% of the assigned rate. If you have just Medicare Part B, you are susceptible to those charges but with the Medicare Supplement Plan G, you have nothing to worry about because the Medicare Supplement Plan G pays for you.

Medicare Supplement Plan F, or what I like to call the “Full Coverage” Plan, is a Medicare Supplement that pays all the bills that Medicare does not pay. Medicare pays 80% and the Plan F would pay the remaining 20% of your medical bills. You would have no bills except your monthly premium. As with any Medicare Supplement Plan, there is no network for this plan. As long as the doctor or hospital accepts Original Medicare, they will accept your Plan F. • No Copay • No Deductible • Any Doctor / Any Hospital

There is only one difference in coverage between the Medicare Supplement Plan F and the Plan G. That’s right, only ONE. The Plan F pays for Medicare’s Part B annual deductible of only $183.00 and the Plan G does not. However, the Plan G is the most cost-effective plan and I’ll explain why. There are three main reasons Plan G is a better choice than Plan F. 1) Simple Math: Plan F costs, on average, $600 more per year in premiums than the Plan G. Why pay Plan F $600 more when the only difference in benefits is that Plan G has a small $183.00 deductible? That is just giving more money to these big insurance carriers for no reason. 2) Rate Stability: No one that turns 65 after 01/01/2020 will be able to purchase the Plan F. This will cause the Plan F premiums to increase quickly. 3) The Part B Deductible is likely to continue increasing. This will also cause the Plan F premiums to increase at a higher rate than the Plan G.

Hey Medicare Nation! It's January 2018! I hope everyone made informed decisions regarding your Medicare Advantage Plans for 2018. If you missed the last episode, go back and listen to it! I discussed the Medicare Premiums, co-pays and co-insurance for 2018. Many of you have sent me emails "asking me" if you can change your Medicare Advantage Plan in January. The answer is......yes....with specific guidelines. Currently, it is the Medicare Advantage Plan "Disenrollment Period." The current Disenrollment Period runs from January 1st through February 14th each year. During this time, you can "drop" your Medicare Advantage Plan and go back onto Original Medicare. You do this by contacting MEDICARE by phone     800-633-4227.....and telling the Medicare representative that you would like to "Disenroll from your Medicare Advantage Plan" to go back onto Original Medicare. Medicare may also help you with a Part D prescription Drug Plan if you'd like. On Original Medicare, you are covered under Part A and Part B of Medicare.  Under Part A....you are covered for Medicare benefits where you would stay at a location as an "inpatient." The most common location is .....The Hospital. Another location where you stay overnight as an inpatient is....a Skilled Nursing Facility (SNF). A SNF is NOT a Nursing Home. An SNF is a location where you are admitted as an inpatient to receive medical care and rehab 24hrs a day. Also..... if you are diagnosed with a terminal illness, your doctor may suggest you enter Hospice as an inpatient.  All the services covered in the Hospital, SNF and Hospice are covered under Part A of Medicare. There is a "Deductible" each time you are admitted to the Hospital. The Deductible cost for being admitted as an inpatient in the hospital is $1,340.00 in 2018. The Deductible is due EACH benefit period you are admitted. Part B of Medicare is for "Outpatient Services." Benefits under Medicare for Outpatient Services covered under Part B include, but not limited to: * Doctor Vists * MRI's * Laboratory Blood Draws * Outpatient Same Day Surgery  * Oxygen in your home There is an "Annual Deductible" for Part B of $183.00. After you pay your $183.00 annual deductible, you will be responsible for the remaining 20% Medicare Allowable Charges for services under Part B. What does that mean?  Let's say you already visited your Cardiologist and had bloodwork drawn at Quest or Labcorp. We'll say your out-of-pocket costs for both cost a total of $183.00. That takes care of your annual Part B deductible for 2018. Now....let's say three months later.....you need to have an MRI. We'll say the Medicare allowable cost is $1,500.00. Medicare Part B covers 80% of the $1,500.00, which is $1,200.00. You will be responsible for the remaining 20%, which is $300.00. You will pay 20% of ALL Part B Medicare Allowable Charges. There is NO Cap! You may also need Prescription Drug Coverage. Prescription Drugs are NOT covered under Part A or Part B in general. Prescription Drugs will be covered while you are admitted to one of the facilities under Part A.  If you want Prescription Drug coverage, you WILL need to enroll in a stand-alone-prescription-drug-plan. You can find which Prescription Drug Plan (PDP) is available in your area, by going onto the Medicare.gov website and "hover" over the FIRST Blue Box named "Sign Up/Change Plans." A column will appear and go down to where it reads..."Find Health & Drug Plans." "Click" on that box and it will bring you to the Medicare Plan Finder site. Type in your zipcode and follow the instructions.   If you are comfortable with the costs associated with Original Medicare Parts A & Part B.....then that's all you need to do. If you'd like to add additional coverage to protect you against the on-going out-of-pocket costs associated with Original Medicare, you can purchase a Medicare Supplement (a.k.a. Medi-Gap) Plan. A Medicare Supplement Plan is an Insurance Policy, where you pay the insurance carrier a monthly premium and the plan will pay Medicare out-of-pocket costs that you have pre-determined. Medicare Supplement Plans "VARY" in coverage and in premiums. The "Medicare Benefits" they pay for you, are the SAME, no matter where you live in the U.S. So.....if you chose a Supplement Plan "F," which is the policy which pays ALL your out-of-pocket costs for Medically Necessary services under Medicare, and you live in Seattle, WA.......you will be covered for the EXACT SAME Medicare benefits as a person living in Tampa, FL. What is different you ask? The difference is in the PREMIUM you pay. Insurance Carriers that offer Medicare Supplement Policies charge DIFFERENT  Premiums! You NEED to know what the difference in Premiums are by EACH Insurance Carrier for the SAME TYPE OF PLAN. Here's an example: Mary is turning 65 in March of 2018. Mary has a history of heart problems and would like to remain on Original Medicare and purchase a Medicare Supplement Plan "F" so that she can see ANY Cardiologist that is contracted with Medicare.... in ANY State.  Mary also wants to have a budget for her out-of-pocket health costs and having a Medicare Supplement "F" plan will allow her to do that. Mary lives in Miami, FL and calls her Medicare Specialist Diane. Mary discusses purchasing a Medicare Supplement with Diane and asks for her expertise and guidance. Diane tells Mary that the 3 lowest premiums in her zipcode have the following montly premiums: 1. $239.00 From Acme Insurance Co. 2. $250.00 From Beta Insurance Co. and  3. $275.00 From Delta Insurance Co. These premiums are for the EXACT same Plan with the SAME benefits! Why would you pay Delta insurance company $275.00 a month, when you can pay Acme Insurance Company $36.00 a month less....for the SAME benefits! That's why it's soooo important to speak with a Medicare Specialist or Medicare Consultant like myself. I speak MEDICARE! I care about YOUR best interests! I have NO loyalties to ANY Insurance Company!  You can also STAY on the Medicare Advantage Plan you are enrolled in. Do your Due Dilligenct to ensure you are doing what's best for your health and out of pocket costs for 2018.   I'm hear to help you if you need me! You can contact me by email at Support@TheMedicareNation.com You can contact me by phone: 855-855-7266. I will even answer your question by email if I can answer it in ONE paragraph! If I have to do any kind of research, you need to hire me as your consultant. My time is valuable and I want to do what's best for you! Thanks for listening Nation! Would love a Review if you would take a minute to do it for me! Leave me a "Voice" review at www.TheMedicareNation.com or ...... an iTunes review. Go to iTunes or Stitcher and in the SEARCH bar type in MEDICARE NATION MY show comes right up. "Click" on Subscribe and then click on Rating or Review. Leave me your feedback and if you can.....give us 5 stars! Thank you and have a Happy, Peaceful & Prosperous Week! Diane