Plan N vs Plan G High Deductible - NEW

Hi. Thank you for all your content. edit: What triggers an underwriting event?

The timing of this video is remarkable. The plan N and G-HD are what I am considering here In
Florida. Turning 65 in December, I am in an IEP2 situation due to disability. About an hour ago I signed up for an appointment on your website. Looking forward to speaking with one of your reps.

Thx again for all the info and great explanation!

Another super informative video from Stephanie! 👍 My wife & I transitioned to Medicare this year (2024) and Stephanie's team hooked us up, with the best Medigap plan for us, in Southwest Florida. *Plan N* No regrets at all! 🎊

Thank you. Great video ❤

I went with Plan L and it's very fine so far - however may consider a Plan G HD in the future or N.? Plan L picks up 75% of the 20% with a maximum out of pocket per year...

Thanks Stephanie for this video.
One concern I have about going with Plan N is Medicare keeps changing what needs a co-pay, this year Tele-medicine, Urgent care, what will be next. Things keep changing on how people can get help.
There is no crystal ball so we have no idea about 5 years down the road.
Are you licenced in Oregon?
I will not be turning 65 for another 9 months, but am trying to get as much information as I can.

What happens if you live in New York have a Plan G, then decided to move to North Carolina. Do you have to still pay the New York rates? Excellent video.

looking for a G or N plan .turning 65 on election day 11/5/2024.

I'm not of age yet, but for me it's down to those two plans.

I have a question. Does Medicare automatically submit the hospital bill to my medical supplement insurance company when I get hospitalized?
I need to know, please.

Thank you.

I love your video.Thank you !!!!!

I wonder if HD-G would make sense in an area where you had trouble finding a primary provider who takes Medicare. The idea would be to pay cash for primary services and only use Medicare for specialist and hospital care.

so much info, so confusing. so I watched twice and everythng fell into place. Thanks.
now just need to figure out which ins. co. to use

Do the monthly premiums count toward the Plan G HD deductible?

I can afford G, but my GHD ($40 in October) includes the incentive to stay healthy to avoid medical costs, incompetent medical staff, and disease-infested hospitals and office examination rooms.
I worked for a healthcare hospital complex for 22 years.
Trust me - do everything you can to avoid the medical industry.
Plan G has zero incentive.

I think you touched on it early on, and another broker did too - HD-G does NOT include the Part-A deductable? That's over $1600 per instance. That could be a big whallop. Still, If you have a good backup cash account it could work. We all think back at our lives and many of us think "Hmm, I've been fairly healthy over all, I should go with the cheapest option(and this likely drive a lot of folks towards Advantage Plans)" But starting right about age 65 especially, that's when major events start cropping up. As long as we continue to "stay healthy", G-HD sounds great! LOL. I dunno, being well covered under Medicare seems sooo expensive any way you look at it, Thailand or Malaysia have world class medical - even medical tourism - at a fraction of the cost, along with many other costs (rent/ultilities, etc.)...

So pretty

As others have said about copays, my concern about excess charges is that they will become much more common in the future, especially as the govt. tries to bring about more "savings" by reducing payments to health care providers.

Plan G is 'mostly' for those that believe doctors tell the truth, follow the fake food pyramid...and are drug addicts.

I have also noticed that the G-HD deductible inceases $200.00 a year. The understanding was the inflation factor. So I decided against it because I would never meet it anyway. One other thought, people that have a substantial HSA and going to Medicare, the G-HD could every a good option.

Is it possible to change brokers if we are not happy with the broker we are with, or are we committed for life with a particular broker? Are brokers paid a commission every year that we are on the plan they set us up with or are they paid a one time commission when we first sign up for Medicare?

What about Medicare plan E good or bad?

Would you be able to start with a GHD and switch to G later in life without underwriter?

High deductible plan N

I am on plan f have been on it 14 years so that i dont need to pay out of pocket no one talks about it . why?

The whole thing is a scam on seniors....unless you live in a birthday rule state.

TODAY, excess charges are rare...BUT, what about in the future? Im concerned that at some point doctors may decide they arent making enough money off seniors and change their mind about excess charges.

Can you put on the screen this numbers ,it’s confusing ?

As always - very simply explained & informative. Thanks for continuing to provide new updates and comparisons.

Why is Medicare/Social Security taxes so high such that for 1099 not only is the FICA taxes doubled, Federal and State Income taxes don’t seem to be properly allocated for these robust programs as evidenced by the Biden Administration
PFederal Spending and Budget 💸
so such one would need supplemental insurance from US government backed Federal Programs sponsored like
SNAP formerly as Food Stamps/EBT
WIC
CHIP/HIPPA
SSDI/SSI
Social Security
Pensions

Government sponsored Health Insurance
Where are “lapses in coverage” under the as codified in the 984 pg.
“Affordable Care Act” passed the Obama Administration under Obamacare, that
Medicaid
Medicare Advantage Plan
A: Hospital/Facility
Part B: Physician
Part C: Vision, Dental, and Hearing Cares
Part D: Prescription Drug Coverage


Beyond that, isn’t even included in the
coverage like PharmD the Medicare A-Z

BCBSAL Medicare Advantage

Copay $5
Rx Drug Copay
Hospital stay


And why would the US Government imposed a 20% late enrollment penalty on seniors or elderly? They don’t even properly inform Americans regarding such timely landmark decisions regarding Healthcare Insurance Coverage without incurring a 4% Tax Penalty for Employers-sponsored programs under mandated optional coverage , no more

How about doing a plan G vs N in Georgia video....

I had a visit with someone to help us choose. These plans were never mentioned! Can you change plans on Medicare Original? Your video's are so helpful!

Can I switch between N and G freely on open enrollment?

Do you also help shop for a drug plan?

Best thing I did when retiring was signing up for Plan G

if i have afib, will i br likely to be denied by medcap?

With G-HD plan, If I am accepted into a hospital, is the $1846 part A deductible included in the $2800 annual deductible? If yes, If I am accepted into a hospital for a 2nd time in one year, should I pay the deductible $1846 again even if I have already satisfied the $2800 annual deductible before I am accepted into the hospital for the 2nd time?

Does Plan G-HD include plan B deductible or on top of it? in other words total OOP for G-HD is $2,800 vs $240 + 12 times monthly premium for regular G?

Thank you Stefanie for the great videos. I've read some horror stories about Mutual of Omaha rate increases. Have you found that historically they raise their rates faster than say UHC?

Thank you very much , do you support CA ?

I got Plan N in New York, but I got it late, three years after getting regular Medicare Parts A and B. My plan N with AARP/UnitedHealthCare costs me $193.50/month this year; next year, the same plan goes up to $233.75. That seems a bit much to me! What's AARP up to? Would it make any sense to switch to the cheapest alternative every year, or stay with a strong company like UHC and hope future increases aren't so much?

I see Dr in Montgomery County north of Houston. I would like plan. N.I am in very good health and only see a Dr. maybe 2 times a year. I am 80 years old. Most of the year I live in Mexico

"Retirement isn’t an end goal, but a journey best secured by careful and consistent investments."

I’m Hungary for more.😊

As far as a high medical bill, most people forget that they cannot get on a payment plan with the hospital or doctor and mayonnaise need to pay $100 a month until the bill is paid off. It's not as if you need to come up with $ 2,800 in one month for most hospitals.

Can you answer a general question for me?

I live in Minneapolis, Minnesota.
I plan to retire and start Medicare around October 1, 2025.
I plan to move to Austin, Texas, a month or two later.

Where do I sign up for a supplement from?
Minnesota and then it gets transferred to Texas somehow?
Or do I look at Texas plans since that's where the bulk of my retirement will be?
I have not seen moving addressed in any videos and was wondering how this works.

Thanks!

So you have Plan N. They're prepping you for major surgery and they have to call in an anesthesiologist. What are you going to do, say to the surgeon "hey doc, can you wait while I check if the anesthesiologist has excess charges?". LOL