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Medicare Specialist - Abt Insurance Agency
США
Добавлен 28 июл 2017
Medicare is confusing. We can help make it simple and find you the best Medicare plan.
Free Medicare insurance assistance from Stephanie Abt and her team. (888) 465-9728.
Stephanie Abt and Abt Insurance Agency specialize in helping folks, many of whom find us right here on You Tube to find and enroll in the best Medicare Plan for their needs. Our service is 100% free of charge, and we offer free policy assistance for LIFE (yes, that includes claims and billing help too).
We love helping people. We love educating people. We would love to help you, too.
Free Medicare insurance assistance from Stephanie Abt and her team. (888) 465-9728.
Stephanie Abt and Abt Insurance Agency specialize in helping folks, many of whom find us right here on You Tube to find and enroll in the best Medicare Plan for their needs. Our service is 100% free of charge, and we offer free policy assistance for LIFE (yes, that includes claims and billing help too).
We love helping people. We love educating people. We would love to help you, too.
Plan N vs Plan G High Deductible - NEW
✅Our site: AbtInsuranceAgency.com (Secure), or call 888-465-9728 🔔 Subscribe for more free information: ruclips.net/channel/UCe6HP04-Em629E5-mzTxn8A Free Medicare Quotes: Https://www.abtinsuranceagency.com
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-- Plan N Copays: ruclips.net/video/536mEIQVUUM/видео.htmlsi=QfmaJx5KN8pA5hnZ
-- Plan N Excess Charges: ruclips.net/video/7i5H8aCCmGw/видео.htmlsi=RySoUz_tLVnpzk6d
-- Medigap Plan rules by STATE: ruclips.net/video/8WDjN32RjlY/видео.htmlsi=JaAlcpBpzUHBoQwd
✅ Best Medicare Supplement Plans in 2024: ruclips.net/video/htA-jr1tzAM/видео.htmlsi=e2WY6ztAM_HUh17d
✅ How to enroll in Medicare: ruclips.net/video/_M8F8zOO...
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-- Plan N Copays: ruclips.net/video/536mEIQVUUM/видео.htmlsi=QfmaJx5KN8pA5hnZ
-- Plan N Excess Charges: ruclips.net/video/7i5H8aCCmGw/видео.htmlsi=RySoUz_tLVnpzk6d
-- Medigap Plan rules by STATE: ruclips.net/video/8WDjN32RjlY/видео.htmlsi=JaAlcpBpzUHBoQwd
✅ Best Medicare Supplement Plans in 2024: ruclips.net/video/htA-jr1tzAM/видео.htmlsi=e2WY6ztAM_HUh17d
✅ How to enroll in Medicare: ruclips.net/video/_M8F8zOO...
Просмотров: 24 142
Видео
Should you take medicare at age 65?
Просмотров 3,7 тыс.Месяц назад
✅Our site: AbtInsuranceAgency.com (Secure), or call 888-465-9728 🔔 Subscribe for more free information: ruclips.net/channel/UCe6HP04-Em629E5-mzTxn8A Free Medicare Quotes: Https://www.abtinsuranceagency.com ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Medicare Part B Special Enrollment Period enrolling in Medicare when you retire: ruclips.net/video/Tc5_VmzB...
How to choose a Medicare agent
Просмотров 9 тыс.2 месяца назад
Medicare agent or broker - How to find the best Medicare agent? It can be tricky to know if the Medicare agent you are talking to really has your best interest at heart. My team and I value integrity and doing what's best for our clients, and I feel blessed to be working with some of the best Medicare agents in the country! ✅Our site: AbtInsuranceAgency.com (Secure), or call 888-465-9728 🔔 Subs...
Medicare Part B Excess Charges explained
Просмотров 76 тыс.2 месяца назад
How common are Medicare Part B excess charges and how exactly do they work? www.medpac.gov/wp-content/uploads/2024/03/Mar24_Ch4_MedPAC_Report_To_Congress_SEC.pdf ✅Our site: AbtInsuranceAgency.com (Secure), or call 888-465-9728 🔔 Subscribe for more free information: ruclips.net/channel/UCe6HP04-Em629E5-mzTxn8A Free Medicare Quotes: Https://www.abtinsuranceagency.com :::::::::::::::::::::::::::::...
HUGE Medicare Supplement Rate Increases (and what to do about them)
Просмотров 96 тыс.2 месяца назад
✅Our site: AbtInsuranceAgency.com (Secure), or call 888-465-9728 🔔 Subscribe for more free information: ruclips.net/channel/UCe6HP04-Em629E5-mzTxn8A Free Medicare Quotes: Https://www.abtinsuranceagency.com ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Plan N - Important changes: ruclips.net/video/536mEIQVUUM/видео.htmlsi=l3EKI1Z35Mc7TupT State-specific Medi...
Are all Medicare Advantage Plans bad? THE TRUTH!
Просмотров 10 тыс.3 месяца назад
✅Our site: AbtInsuranceAgency.com (Secure), or call 888-465-9728 🔔 Subscribe for more free information: ruclips.net/channel/UCe6HP04-Em629E5-mzTxn8A Free Medicare Quotes: Https://www.abtinsuranceagency.com ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: ✅ Best Medicare Supplement Plans in 2024: ruclips.net/video/htA-jr1tzAM/видео.htmlsi=e2WY6ztAM_HUh17d ✅ How...
Surprising reasons doctors will DENY your plan.
Просмотров 11 тыс.4 месяца назад
Surprising reasons doctors will DENY your plan.
Plan G downsides - is it really the BEST Medigap plan?
Просмотров 132 тыс.4 месяца назад
Plan G downsides - is it really the BEST Medigap plan?
Every Medicare Enrollment Period Explained!
Просмотров 5 тыс.5 месяцев назад
Every Medicare Enrollment Period Explained!
Best Insurance Company for Medicare Supplement?
Просмотров 164 тыс.6 месяцев назад
Best Insurance Company for Medicare Supplement?
Working past 65? Avoid these HUGE Medicare mistakes.
Просмотров 433 тыс.7 месяцев назад
Working past 65? Avoid these HUGE Medicare mistakes.
Medicare Supplement Plan N - changes?
Просмотров 97 тыс.9 месяцев назад
Medicare Supplement Plan N - changes?
Medicare Supplement Plans - State Rules
Просмотров 34 тыс.9 месяцев назад
Medicare Supplement Plans - State Rules
Medicare Supplement Rates Changes (2024)
Просмотров 86 тыс.9 месяцев назад
Medicare Supplement Rates Changes (2024)
Medicare Supplement Plan D Explained
Просмотров 58 тыс.10 месяцев назад
Medicare Supplement Plan D Explained
Medicare Advantage vs Medicare Supplement Cost Comparison (2024)
Просмотров 311 тыс.10 месяцев назад
Medicare Advantage vs Medicare Supplement Cost Comparison (2024)
The Best Medicare Supplement Plans in 2024
Просмотров 221 тыс.10 месяцев назад
The Best Medicare Supplement Plans in 2024
Medicare Plan G vs Plan N (New Info!)
Просмотров 352 тыс.11 месяцев назад
Medicare Plan G vs Plan N (New Info!)
Medicare Supplement coverage denied? Why insurance companies deny you (and what to do about it).
Просмотров 37 тыс.Год назад
Medicare Supplement coverage denied? Why insurance companies deny you (and what to do about it).
The Medicare "Gotcha" that will surprise you
Просмотров 635 тыс.Год назад
The Medicare "Gotcha" that will surprise you
Medicare Part A B C D Explained (and made simple!)
Просмотров 131 тыс.Год назад
Medicare Part A B C D Explained (and made simple!)
Medicare Part D: FAQs, how Part D works
Просмотров 42 тыс.Год назад
Medicare Part D: FAQs, how Part D works
Top 3 Medicare Advantage Nightmares (and Pro Tips to avoid them)
Просмотров 35 тыс.Год назад
Top 3 Medicare Advantage Nightmares (and Pro Tips to avoid them)
Top Medicare Claims Issues (and how to avoid them)
Просмотров 23 тыс.Год назад
Top Medicare Claims Issues (and how to avoid them)
Top 5 Medicare Mistakes that will COST you.
Просмотров 32 тыс.Год назад
Top 5 Medicare Mistakes that will COST you.
Do I need a Medicare Supplement Plan?
Просмотров 116 тыс.Год назад
Do I need a Medicare Supplement Plan?
Medicare Basics - Medicare Changes Explained
Просмотров 54 тыс.Год назад
Medicare Basics - Medicare Changes Explained
Medicare Advantage Plan Reviews ⭐️ (from real people)
Просмотров 24 тыс.Год назад
Medicare Advantage Plan Reviews ⭐️ (from real people)
You should compare the different parts side by sides to make the point clear. The video was very vague and unfocused and impossible to comprehend. This information was presented in a very confusing way. You should have been intelligent enough to see that. Did you do that on purpose, just to getting attention for marketing benefits? Do it right, do not waste our time.
I just turned 65 and have Medicare with medical regal health net is medical regal health net an advantage plan or a medigap supplemen?
Sounds to me like you are pretty much locked into whatever you initially choose, however Medicare can change things if/when they choose. Disgusting.
296 Koch Rest
Just curious about how many people choose to go with Part A, Part B, Part D and then skip the supplement plan. I've been on a HDHP for 20 years, so 20% of cost up to max out of pocket doesn't sound all that bad.
I am a 72 year old Viet Nam era Veteran. The VA is WORTHLESS ! INCOMPETENT ! ANY US Government run program is a SCAM ! Don’t waste your time with these LYING PEOPLE!!!
I just purchased my Plan N supplement thru your agency. The process was simple, thanks to Emily's professionalism, knowledge and patience with all my questions. I will not hesitate to recommend Abt Insurance Agency.
Thank you Peter!!
I have epilepsy and I have to have my meds. So I guess Medicare advantage is for me. It's awful that our medicine is not covered.
Another helpful video. Do you edit your own videos? Great job!
@@Insurep I do! Thanks 😊
My wife and I are moving from Long Island NY to Delaware in Spring of 2025 We are both on "N" but even that in NY is a big nut. Will we have to stay on the NY Plan after we move until Open enrollment in October 2025?
Moving to a new state is not a “special enrollment period” for Medigap insurance. You will be able to keep your NY plan N forever, no matter where you move. However once you move to DE you may want to shop your Plan N options for a lower rate, as long as you can medically qualify. Call us for help or with questions! 888-465-9728
@@AbtInsuranceAgency Are you saying we would have to go to underwriting even if its open enrollment in Delaware? oct 2025?
@@theeardrafter the annual Fall open enrollment period is for Part D and Part C plans only, not Medigap plans.
@@AbtInsuranceAgency Thank you for the education. Great Help. I will contact you when we are ready.
Jones William Clark Mary White Carol
What If I use the VA, do i still need to sign up for A or B?
Great question! You are not required to, but if you delay your Medicare enrollment and then want to enroll later on you could face Part B penalties.
You do a amazing job
@@pamela9006 thank you! 😊
Lewis Cynthia Anderson Deborah Garcia Robert
When I retired in 2012 Plan F was the plan to have. I, however, had to drop out of it when it got over $230.00 a month. Medigap plans have to realize that they are squeezing the poor out of the market.
Very true. And Plan F has the highest premiums.
I started Medicare September 2024. Thanks to you I was well informed. I chose to go with your company and am so grateful for you taking the time to make these videos. 😊 Thank you so much.
@@stevenrobison2923 thank YOU Steven!
MA is VERY much like employer group plans and especially ACA. If you've been on either of those preauths and cost sharing is expected. Its zero dollar premiums not deductible for MA. This does not seem that scary compared to ACA. Ive had an insurer that says their doctors are in network and then find out they wont take the insurance! Thats stress. Not getting a pre auth. Thing that no agent on here talks about is the fact that if you stop working at 65 you get TRIAL RIGHT PERIOD with MA as you start Part A/B and Advantage on the same day. You get a year to try Advantage and if you dont like it you can switch to Supplemental. Im thinking about MA with a cancer rider. Agents rarely talk about the double digit year over year costs increase of Supplemental plans into your 80s. Many on Supplemental have great insurance but want out because theyre eating cat food to afford their Supplemental plan.
@@fredost1504 very good points! Also, I do cover both the Trial Right as well as Medigap rate increases in some of my other videos. Very important to know about!
Hi Love your videos - If I were to sign up for a medical supplement plan would I still need a part D?
@@nelson6553 if you want Rx coverage, then yes. Please call us anytime! 888-465-9728
You mentioned that Option B covers approx 80% - What is the 20% that is not covered and how do you pick up coverage? Thanks
Medicare Supplement/Medigap plans will cover that 20%! That is what we help with.
Thank you, you are great at explaining things. One thing is everyone glosses over creditable insurance coverage proof after you retire over 65. If it is so important to not be penalized no one even the employer knows what to do. I have heard of forms CMS L564-R237 the employer is to give you. I know you are being general with your info but maybe be more specific with this subject. Links were great with Plan A only info nice job.
Thank you, and I appreciate the feedback!
OMG it took her so long to explain this. 🙄
Some people like a longer more detailed explainer video. For Plan G vs N explained in less than 1 minute, here ya go! 😊 Medicare Plan G versus Plan N - key differences. #medicare #medigap ruclips.net/user/shortsRnuK1iQ2J94?feature=share
My closest friend had great supplement plan. She only told her daughter, but she dropped it, got in an Advantage plan. At 84 she would NOT listen to her daughter and did it. She had a brain aneurysm 8 months later, and two months later, still hospitalized.. She is being moved to an expensive rehab. Her daughter said the bills are astronomical. The Advantage plan rejected every single thing to make you fight for each separate coverage. Had she not been so cheap, everything would have been covered. I myself was underwritten four years ago for plan G. Yes it’s expensive, I was in ICU for a month with heart failure, a $100,000 Surgery followed by three weeks in rehab, and home rehab for three months. Cost to me??? Zero, yup, big fat zero!! Another heart surgery in Oct. cost…..zero! Think long and hard. My friend had a nice nest egg…………gone!
WOW. Such an important story to share.
Good. I will work a low paying job or ask for a pay cut my last two years of employment lol.
I was considering switching from plan G to plan N to save on our budget since my husband has numerous chronic health problems and is in the plan F “ pool” and his premium is very likely to increase in years ahead, however I understand that my weekly counseling session would cost me the co-pay “ up to $20 “ each session, therefore not going to save me much money. Did I understand this correctly?
It depends on how the visits are coded!
Would you be able to start with a GHD and switch to G later in life without underwriter?
It depends on where you live, but typically, no.
Good video. What services are charged for up to $20? Can you please provide more details. You mentioned some video for that. Can you please share the link of the video.
Most diagnostic office visits will be subject to the copay. This explains more - www.cms.gov/Medicare/Health-Plans/Medigap/downloads/Plan_N_Guidance2.pdf
What about Medicare plan E good or bad?
Great information, I live in AZ - please sign me up.
Would love to! Call us at 888-465-9728 or email me at stephanie@abtinsuranceagency.com !
What is threshold for income to have medicaid pick up what medicare does not pay for ?
Thank you for this important information. Will this income thresholds go up every year? And what happens when I have to sellmy house to pay for nursing home care?
Income thresholds may change over time. And if you sell a home and your AGI jumps then you may have a year of paying more because of IRMAA. You can always try to appeal, but selling a home doesn't typically qualify as a life change event.
Respectfully, I love your videos and I've learned some things from them - but this one is a bit "off". Allow me to explain. 1. Rate increases happen with ALL plans - this is not specific to G 2. "May" being the operative word. Insurance companies raise rates based on class/state/and other factors - not just because of the plan designation (i.e., N, G,, A, etc) so not really a "G" thing. 3. Never seen a company or an agent that only offered G. When consumers say 'I don't want copays": Plan G. "I don't want a bill" : G is the only plan that covers Part B excess charges! "I want a fixed cost so I don't have to worry"" Plan G. It's just very often the right choice. Plan N does NOT cover excess charges which leaves a huge amount of risk for the consumer. If you're excruciatingly healthy and rich, the other plans are fine. For pre-existing conditions? Limited income? less worry? Plan G every time. 4. This is not particular to G either; none of the medigap plans offer prescription, dental, vision, hearing, long term care or pay excess charges (only plan G pays excess charges). They WILL pay for medically necessary (not routine) issues related to mouth reconstruction, eye surgery, hearing surgery etc., things like that resulting from injury or disease. While long term care is not covered, the first 20 days in skilled nursing usually are although some plans don't. Concerning changing plans, going down from G does not require underwriting. Going from a lesser plan to G always does require underwriting because you're taking on more coverage. Just like going from an A to an N would also require underwriting. The only medigap plan (I know of) that does offer some extra benefits is Physician's Mutual and they have a regular G, High Deductible G, and a patented hybrid G that has a vanishing deductible after the 3rd calendar year at a lower cost than regular G but more than the full, permanent high deductible G. They provide a Silver & Fit membership, you can change Letter plans within the first 24 months, they cover Life Line Screenings and Thermal Mammograms. They don't spend money advertising but rather use it to beef up their funds so plans have historically single digit increases, if they increase at all, generally in the 2-5% range. You're welcome to call me for more information 430.999.2271. Thanks for all you do to educate consumers and agents.
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?
@@-myal-8691 it depends on what type of Medicare Plan you have. But in general, in order to change brokers you usually need to enroll in a new Medicare plan (through the new broker).
Wilson Shirley Moore Daniel Taylor Sharon
MEdicare. Is. Scame. NO. PAY. FOR. NOTHING. MEDICARE. IS. NOT. WORTH. NOTHING. THIS. IS. JOKE
Great video
Thanks!
What we need in the US is to dump the corrupt medical insurance industry and go to full on Universal Health Care like the rest of the world. The US is the only country on the planet that doesn’t have Universal Healthcare. Whenever one couples the consumer and the Financial Service Industries, the consumer looses.
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 the. $590 included in the $2000 out of pocket maximum?
Yes!
The runaway drug costs is what is causing this. Insurance companies have to pay what drug companies charge. Until Washington put limits on drug prices this is going to continue. It's infuriating. No other countries pay the drug prices we pay. So many pockets are being line with these "14,000 shot" someone gets. A medicine shot costs $4.00, the rest is profit to split. No one in government is going to help because they all have their pockets open for the profits. Big Pharma, Insurance companies, lobbyists, and Senators all have their pockets open. And we keep paying because we have no choice. There has to be an answer to stop this insanity!
Thank you for the info
Drug companies are not losing money. They are making less profits! what pharmacy company has lost money?
What’s “two years ago” actually defined as?
Soooo, how do I get a full routine examinations
Stephanie ~ your videos are amazing! So comprehensive! I told my brother about my viewing various retirement videos in preparation of retiring 5-7 years down the road, and that I created a PowerPoint slide with what I need to do before, during, and after I retire. He suggested I check out your videos. WOW! I'm so glad he did. I created additional PPT slides with the definitions of the various Parts, and an estimated timeline of when I need to do what ~ prior TO retiring. (thank goodness for the Pause button, LOL). Taking lots of notes. Can't wait to view all the videos you have here. God bless you and your team!
Thank you !! 😊
Plan G is 'mostly' for those that believe doctors tell the truth, follow the fake food pyramid...and are drug addicts.
In addition i pay $6000 for part f and $1200 for party D. Insanity. With private insurance i was paying $18,000 under the affordable care act.
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.
This would be good taking Eliquis.
My 74 year old husband’s heart meds( 3) cost him $1800 by July already. We had to search for some help. We found a foundation through the manufacturer Bristol Meyers. Since he could no longer qualify for SS extra help he was approved for $0 for his Eliquis 🙂
Started on Eliquis in March. Even with my Part D plan, it's still costing $140 per month. It will be interesting to see how the new plans for 2025 will be impacted. I hope I live long enough to see it available as a generic.
They keep charging more and more and social security is not going up as fast as the cost of Medicare
@@redoscar540 have you applied for the Social Security extra help funds? My husband was getting that until I turned 65 and started drawing my SS then they said we made too much income😜. That’s when I searched for financial aid and found this foundation from Bristol Meyers. Did the paperwork they mailed and he was approved.( savings $1700)! Hope this information helps you.
@@cindypatrick785 Thanks for the heads-up for extra help. Even though I am well into my 70's, sadly I don't qualify for assistance.
Hi beautiful ❤️ thanks for the update another good information from you. thanks again have a wonderful weekend and safe labor Day you and your family see you soon