I think what people also have to consider is that in the beginning, when you're healthy, plan n might be good, but when you get older and you possibly get some health conditions and you want to go to g, you won't be able to, because you won't be able to pass underwriting.
Plan N is still excellent coverage. In south Florida one would have to have 30/40 doctor visits in a year to absorb the increased G premium. No thank you. Your point may be true of taking a Medicare advantage plan initially and then you’re stuck but plan N is fabulous coverage just as G at a much better value than G for many especially in the higher priced states. 👍👍👍
Here is big problem if your health worsens and your under plan G guarantee issue you can’t leave either for example kidney problems and then your plan G premiums soar to higher costs and if you leave to go to plan N guess what happens the plan N can totally not accept you into their plan because of your deteriorating health condition they also can reject you then you attempt to get back into your original plan G they will tell you sorry you left the guaranteed issued plan G and you have No coverage. This happened with my own father thankfully I caught the agent that attempted to get my father to move from his overpriced plan G to plan N without warning my father that he may lose his supplement insurance completely if he dropped his plan G . Sadly he was stuck in high cost of plan G because of health changes. Agents don’t always tell you these things !
I wanted peace of mind that being said, I selected plan G. It was worth paying a few dollars more. I made this decision with the help of Boomer Benefits, which I truly appreciate and want to thank you so much.
I live in Florida and a plan G costs $210 a month. I got a plan N for $141 a month. I get most of my healthcare through the Indian healthcare service so Plan N saves me a bunch of money. As a note, the copays to see a specialist are limited to $20. And excess charges are extremely rare nowadays and aren’t the horrible thing represented.
No mention of the tendency of Plan G to have higher increases than N through the years. That's part of why I'm going with N, I think. But if I thought I could afford the higher price 10-15 years from now, I'd go with G.
Since plan increases vary throughout the country, we didnt mention this in the video. We think Plan N will be a great option for you and if needed, you can always try to pass underwriting to change to a Plan G in the future!
BB set me up with Medicare/Medigap G. NC $110/mo. I'm in the hospital often. And Medigap has been fantastic. Would I need to contact Medicare if I'm changing my PCP?
Seems there was no mention of MOOP for Plan N vs Plan G. So G only has the annual B deductible and zero MOOP, but I have heard others say Plan N has the same B deductible PLUS around $7800 MOOP. Seems her point about the premium $20 difference is a touch understated vs the reality of several thousand dollars possible difference when including Plan N's MOOP. Seems to me the $20per month savings could become a $700 per month MOOP.😮
We went onto Medicare this past June. We originally were going with Plan G but decided Plan N. My wife saves about $30 a month and I'm saving about $50 a month. I did a lot of local research and all the Dr's we would see at this point accept Medicare payments so no excess charges. Spoke to my Dr about excess charges and his opinion was hospitals are buying up offices and a CPT code is a CPT code. At this point we're OK paying the copay and dealing with being billed for care, it could only be either $20 for Dr visits or $50 for ER visits. We just had an ER visit and it appears it's part of the initial $240 OOP that both Plans G and N patients have to pay. Either way they both should be great coverage!
Where did you hear that about plan N? MOOP $7800. False information for sure. Up to $20 co pay for md visits, urgent care or telehealth. $50 er co pay waived if admitted and that’s it. Excess charges are unheard of. You need to get your story straight. FYI.
Christine you need to read the whole string. I was confused about N vs C and clearly stated so above. Take a chill pill... assuming it's covered by your part d.
I am leaning towards a Plan N, Are those the only co-pays there are? No co-pays for lab work, Additional Tests, X-rays, etc.. But you would have a co-pay for a doctor referral?
The co-pays are for doctors visits, what each visit for an x-ray, testing, etc is how the coding is done on your providers side. You typically only have them for those in office visits, but if you have to have testing or visits outside of your office, they could also charge you the copay then too.
I have a question about Medicare claim denials. I'm new to Medicare had a lab test performed and had to sign a ABN because there is a chance Medicare won't cover it. If they don't will I be charged the Medicare approved amount or the full amount as if I didn't even have Medicare? This is original Medicare.
Hi Rick, Yes it would be the full cost of the service. Medicare doesn't apply an "approved amount" for denied services. But on the ABN it should provide an estimated cost!
Hi, Leaning towards Plan G. I have a bigger question. My wife will be turning 65 in 2025. During 2029, the last of the Boomers will be turning 65. Any plans to rename “Boomer Benefits” to “Generation X Benefits”? Thank you, Gordon
Hi there-Plan F is the most comprehensive Medigap plan, as it covers your Part B deductible! If you are happy with your plan, there is no need to make any changes. Give our team a call if you would like to review it!
First hardly any physicians across America that are not participating in Medicare supplement programs that have extra charges or labs . Who would be seeing doctors 2 to 3 times month all year for health issues when your lucky to get to see a physician at all because of many physicians leaving or have such huge patient load you may have months to wait to get a appointment! Some physicians your wait Time maybe 6 months or longer to see a specialist like neurologists for example! Plan G you have high premiums entire year as to plan N your copay for office visit is approximately 14 to 20 dollars a physician visit and most people see their primary physician every 3 months not monthly because of patient loads . Ambulance costs of 50 dollars rare because most ambulance charge of 50 dollars they waive that cost . How many people take ambulances to hospital that’s rare even in emergencies most people have family or friend take them to ER anyway for the inconvenience and embarrassment of ambulance arriving at your home in neighborhood ! So they really push plan G because these agents get large commission monthly for selling you plan G over plan N so people ask your agent how much commission they get for selling you a more expensive plan G over N plans!
Hi there - We have many clients on Plan N and they love the plans. We are not more biased toward one plan more than the other, we like to give real examples we have seen from our clients over the years.
I came across your site by accident and I have to say this is a terrible presentation Your introduction took almost half your video As a retiree, I know quite a bit about the subject, and you made simple things so complex Medicare advantage is great when you get one that is through one of the hospitals in your area And yes, there are no additional charges monthly to get that Yes, you have a co-pay but you had co-pays while you’re working so please quit scaring retirees about this Why on earth do you and others like you keep on having retirees pay between 100 and $200 a month above and beyond $170 has taken out of your Social Security for this anyway Yes, my wife and I have had several operations and the most we’ve had to pay with 700 bucks So at least comparison, so people can I’ll move on thank you
Hi there - if you take a look through our channel, you will see we have many videos about Medicare Advantage plans! We hope you are able to review those :)
Apparently he’s not catching the news about these advantage plans being dropped by hospitals and physicians all over country and denial of procedures without authorization which may take months as people die waiting for authorization to have a treatment or procedure because many physicians won’t take advantage plans !
@@BoomerBenefits my wife just a few minutes ago had to call y'all, because our pain doctor said Medicare should be secondary. I know that's not true. However they did get it right. In a different subject. I was told by Medicare, having the problem that I do have. I should not be playing $200+ for the Medicare Gap plan F.
I think what people also have to consider is that in the beginning, when you're healthy, plan n might be good, but when you get older and you possibly get some health conditions and you want to go to g, you won't be able to, because you won't be able to pass underwriting.
Very important point!
Plan N is still excellent coverage. In south Florida one would have to have 30/40 doctor visits in a year to absorb the increased G premium. No thank you.
Your point may be true of taking a Medicare advantage plan initially and then you’re stuck but plan N is fabulous coverage just as G at a much better value than G for many especially in the higher priced states. 👍👍👍
Yes, that is a very important point - thank you for your comment!
Here is big problem if your health worsens and your under plan G guarantee issue you can’t leave either for example kidney problems and then your plan G premiums soar to higher costs and if you leave to go to plan N guess what happens the plan N can totally not accept you into their plan because of your deteriorating health condition they also can reject you then you attempt to get back into your original plan G they will tell you sorry you left the guaranteed issued plan G and you have No coverage. This happened with my own father thankfully I caught the agent that attempted to get my father to move from his overpriced plan G to plan N without warning my father that he may lose his supplement insurance completely if he dropped his plan G . Sadly he was stuck in high cost of plan G because of health changes. Agents don’t always tell you these things !
I wanted peace of mind that being said, I selected plan G. It was worth paying a few dollars more. I made this decision with the help of Boomer Benefits, which I truly appreciate and want to thank you so much.
We are happy you enjoy your plan!
I live in Florida and a plan G costs $210 a month. I got a plan N for $141 a month. I get most of my healthcare through the Indian healthcare service so Plan N saves me a bunch of money. As a note, the copays to see a specialist are limited to $20. And excess charges are extremely rare nowadays and aren’t the horrible thing represented.
Thank you for your comment - we are happy your Plan N is working for you!
We have Plan G and we love it.
Love to hear that!
No mention of the tendency of Plan G to have higher increases than N through the years. That's part of why I'm going with N, I think. But if I thought I could afford the higher price 10-15 years from now, I'd go with G.
Since plan increases vary throughout the country, we didnt mention this in the video. We think Plan N will be a great option for you and if needed, you can always try to pass underwriting to change to a Plan G in the future!
Thank You. From the State of Maryland
You are so welcome!
BB set me up with Medicare/Medigap G. NC $110/mo. I'm in the hospital often. And Medigap has been fantastic. Would I need to contact Medicare if I'm changing my PCP?
Since you are covered by a Medigap, you do not need to update your PCP with the carrier or us :)
@@BoomerBenefits Great..thanks!
Seems there was no mention of MOOP for Plan N vs Plan G.
So G only has the annual B deductible and zero MOOP, but I have heard others say Plan N has the same B deductible PLUS around $7800 MOOP. Seems her point about the premium $20 difference is a touch understated vs the reality of several thousand dollars possible difference when including Plan N's MOOP. Seems to me the $20per month savings could become a $700 per month MOOP.😮
MOOP with Plan N? I think you're confusing Plan N with Advantage plans.
Yep, you are correct. I followed up on the medicare website this morning. I was wrong. Thank you!
We went onto Medicare this past June. We originally were going with Plan G but decided Plan N. My wife saves about $30 a month and I'm saving about $50 a month.
I did a lot of local research and all the Dr's we would see at this point accept Medicare payments so no excess charges.
Spoke to my Dr about excess charges and his opinion was hospitals are buying up offices and a CPT code is a CPT code.
At this point we're OK paying the copay and dealing with being billed for care, it could only be either $20 for Dr visits or $50 for ER visits. We just had an ER visit and it appears it's part of the initial $240 OOP that both Plans G and N patients have to pay. Either way they both should be great coverage!
Where did you hear that about plan N? MOOP $7800. False information for sure. Up to $20 co pay for md visits, urgent care or telehealth. $50 er co pay waived if admitted and that’s it. Excess charges are unheard of. You need to get your story straight. FYI.
Christine you need to read the whole string. I was confused about N vs C and clearly stated so above. Take a chill pill... assuming it's covered by your part d.
I am leaning towards a Plan N, Are those the only co-pays there are? No co-pays for lab work, Additional Tests, X-rays, etc..
But you would have a co-pay for a doctor referral?
The co-pays are for doctors visits, what each visit for an x-ray, testing, etc is how the coding is done on your providers side. You typically only have them for those in office visits, but if you have to have testing or visits outside of your office, they could also charge you the copay then too.
I have a question about Medicare claim denials. I'm new to Medicare had a lab test performed and had to sign a ABN because there is a chance Medicare won't cover it. If they don't will I be charged the Medicare approved amount or the full amount as if I didn't even have Medicare? This is original Medicare.
Hi Rick, Yes it would be the full cost of the service. Medicare doesn't apply an "approved amount" for denied services. But on the ABN it should provide an estimated cost!
Hi,
Leaning towards Plan G. I have a bigger question. My wife will be turning 65 in 2025. During 2029, the last of the Boomers will be turning 65. Any plans to rename “Boomer Benefits” to “Generation X Benefits”?
Thank you,
Gordon
Hi Gordon, at this time we don't plan to change our name! We are looking forward to helping out the future generations as well :)
turning 65 on election day november 5.looking to get a G or N plan in my state La. but don’t know what the cost will be.
You can give us a call and we can help you! We can be reached at 817-249-8600.
Get Plan G, HIGH-deductible!!!
I have a plan F how is it ?
Hi there-Plan F is the most comprehensive Medigap plan, as it covers your Part B deductible! If you are happy with your plan, there is no need to make any changes. Give our team a call if you would like to review it!
Isn’t plan G restricted for signup now if you weren’t already eligible before 2020?
I think that is plan F
That’s Plan F. Geez.
@@christinedaley5580 alphabet soup. 🤷🏾♂️
That is correct, it is an alphabet soup! But yes, you can continue with Plan G!
First hardly any physicians across America that are not participating in Medicare supplement programs that have extra charges or labs . Who would be seeing doctors 2 to 3 times month all year for health issues when your lucky to get to see a physician at all because of many physicians leaving or have such huge patient load you may have months to wait to get a appointment! Some physicians your wait Time maybe 6 months or longer to see a specialist like neurologists for example! Plan G you have high premiums entire year as to plan N your copay for office visit is approximately 14 to 20 dollars a physician visit and most people see their primary physician every 3 months not monthly because of patient loads . Ambulance costs of 50 dollars rare because most ambulance charge of 50 dollars they waive that cost . How many people take ambulances to hospital that’s rare even in emergencies most people have family or friend take them to ER anyway for the inconvenience and embarrassment of ambulance arriving at your home in neighborhood ! So they really push plan G because these agents get large commission monthly for selling you plan G over plan N so people ask your agent how much commission they get for selling you a more expensive plan G over N plans!
Hi there - We have many clients on Plan N and they love the plans. We are not more biased toward one plan more than the other, we like to give real examples we have seen from our clients over the years.
I came across your site by accident and I have to say this is a terrible presentation
Your introduction took almost half your video
As a retiree, I know quite a bit about the subject, and you made simple things so complex
Medicare advantage is great when you get one that is through one of the hospitals in your area
And yes, there are no additional charges monthly to get that
Yes, you have a co-pay but you had co-pays while you’re working so please quit scaring retirees about this
Why on earth do you and others like you keep on having retirees pay between 100 and $200 a month above and beyond $170 has taken out of your Social Security for this anyway
Yes, my wife and I have had several operations and the most we’ve had to pay with 700 bucks
So at least comparison, so people can
I’ll move on thank you
Hi there - if you take a look through our channel, you will see we have many videos about Medicare Advantage plans! We hope you are able to review those :)
Apparently he’s not catching the news about these advantage plans being dropped by hospitals and physicians all over country and denial of procedures without authorization which may take months as people die waiting for authorization to have a treatment or procedure because many physicians won’t take advantage plans !
@@cheyenne5963 apparently you can’t read very well
And I got it from Boomer
Give us a call if you have any questions :)
@@BoomerBenefits my wife just a few minutes ago had to call y'all, because our pain doctor said Medicare should be secondary. I know that's not true. However they did get it right.
In a different subject.
I was told by Medicare, having the problem that I do have. I should not be playing $200+ for the Medicare Gap plan F.
we are not sure why Medicare would say that - our CST can help discuss your plan with you!