I am almost 65. I just got Medicare info package in mail yesterday. Going to read it today. BUT, what has ALWAYS puzzled me is: Once you've paid premiums for years and years, and haven't gotten sick, and you DO finally get sick, now you have a "co-pay", a "deductible", and then 20% of the final bill, you've ALREADY PAID FOR MOST OF YOUR BILL WAY AHEAD OF TIME!!!! Why is a "co-pay" any different from a partial "deductible"??? And why pay 20% when you've paid premiums for maybe decades???!!! I haven't even gotten a cold for over thirty years! Please tell me how Medicare isn't a load of crap!
@@MrDANGitall Just ask the people who have been sick and their insurance prevented bankruptcy. I will bet dimes to donuts you have insurance on your house, your car maybe even your life. The objective of health insurance is to prevent financial catastrophe when you are sick or injured. It's so you do not have to go back to work or declare bankruptcy. It's not to pay every bill.
@@MedigapSeminars ---> What's up with the co-pay, and the 20%, after I've paid, and paid...and paid??! When my truck get hit, I just pay the deductible, and then they FIX it.
:-) What's up with having to buy all this gas to drive my truck? All these payments for the truck and it doesn't even work without gas. If you want to just pay a small deductible and everything else is done, get a Medigap Plan G. All you paid for from payroll taxes is Medicare Part A. That's it. Everything else is extra.
@@MedigapSeminars I agree with Susan , so much confusion out there . I sat and listened to the video and all my questions were answered .... Thank you !!!
I like this video I ' ll to share it to some of my friends so that they can understand well about Medicare I wish I could always watch your video everytime.
I thought the last CZcams teacher with Medicare’s plans supplements, all about Medicare was good, but you have definitely taken the prize for being a great teacher because I surely have learned more than I knew, and I thought I knew just about all of it. Thank you!
I was feeling very overwhelmed with understanding Medicare and all the options, I appreciate how you presented the information so simple and concise without over explanations. I feel like "I get it" now. Thank you so much!!
O K I agree with you. Especially how he explained the Medicare Supplement plan enrollment. His tone of voice is very relaxed, encouraging to listen to and absorb knowledge from.
I am turning 66 Sept. 2020. I signed up for Medicare part A in October. My wife is a teacher 4 years younger than me in Texas. Since she gets no SS, is it advisable for me to retire at 66 but go under her insurance until a year passes, then get on Medicare when my salary is drastically reduced
being in HR for a large school system, this is the best video I have viewed explaining the various plans and responsibilities for people considering retirement plans.
Turning 65 next March (2019) and retiring at 66....coming up on my initial Medicare enrollment. Been a little bit apprehensive and unsure about all this... until now. Thank you for your information and the clear and concise way in which you presented it.
I've been researching Medicare, to put it bluntly its not easy to get unbiased accurate info. This video does that. It's worth watching just to get clear about Medicare Advantage vs Medicare Supplement plans. Thank You!
Bob - couldn't agree more - I now feel I have a much better grasp of the subject matter and certainly plan on watching all Matthew's presentations - all the best
This is the best description of Medicare I've seen, and I've seen a few in person. It was concise, coherent and well paced. You managed to predict my questions when you reinforced the salient points periodically. I will watch the rest of these as I near 65. Thank you for posting.
I now understand the difference between Original Medicare and Medicare Advantage. Your videos are great! You explain so much for this important topic. Thanks for the information!
This is an excellent informative and educational video that’s well presented with clear and concise easy to understand step by step process. Thank you sir.
Thank you for Channel. I am currently a life, accident and health insurance agent studying for United healthcare to be able to sell Med Supp products. The company that I work for has made it very clear that we do our business morally and ethically in favor of the clients' he needs. I would also like to be able to educate my friends, family and acquaintances and other business partners. A quick review on your seminar; the information was presented very clearly, the recaps were a nice review. The resources that we can navigate on our own that you provided are a wonderful tool. The pace in which you recorded this video was nice and your cadence remained calm and consistent. If I could give you 10 Stars I would. Thank you for doing this for us all.
Thank You for speaking very calmly. I love the pace you used. This was very insightful. Also, tip for everyone else: just do something to keep you busy while listening. I ironed all my clothes for work, lol. So, I was able to be very attentive.
I’m sorry but you’re voice was very calming to me that I fell asleep listening to you... but I still remember what I learned from you... so last year I chose the Medicare supplement!
Simply and clearly explained without any bias. Graphics charts etc mixed in your presentation would help understand even better. Didn't realize Medicare is ridiculously complicated, potentially costly and endlessly confusing.
At 23:44 of the video you stated that the annual out of pocket can be limited to down to zero or just a couple $100 a year. Did you mean a couple of $100 a month? TeeStrat@aol.com
Hi Tasso. "Out-of-pocket expense" refers to what you would be obligated to pay for medical bills. It does not include a monthly insurance premium. So yes, you can limit your out-of-pocket expense to zero or just a couple hundred dollars a year.
Actually, I had a question and called your 800 #, but only got voice mail. My question has to do with being on Medicare due to a medical disability. Does that mean it would be hard or not even possible for me to get a Medigap plan?
Case: Have Medicare and a Medigap Plan C [in Michigan, only Plan C and A are allowed for people under 65]. Now, approaching 65, and my understanding is I can transfer into Medicare as age allowed vice disability. How does that work? WIll I get notice from Medicare about this new enrollment opportunity, such that I can elect a different plan? Have also heard Plan C is being discontinued in 2020 or coverage is being changed such that Plan C will require co-pays, except if one is already enrolled, you are grandfathered in to the current coverage. Thanks in advance.
Thank you for your informed video. I signed up for Social Security but I was still working, I retired 1/10/20 and I think SS said I had to sign up for Medicare within 90 days after I retired. Your videos are priceless in helping me to understanding Medicare. Thank you so much for helping me. May God richly bless you
You are welcome Richard. If you would like our advice and help with your Medicare, feel free to reach out to my office. Our services are free to you, the consumer. 800-847-9680
Well done Matt. Presented in a calm, well structured and thoughtful manner. You made more sense then those who bounce around without connecting the dots. Thank you.
I enjoyed your video. I am over 65, and prior to being qualified to MEDICARE at age 65, I went to a couple of MEDICARE seminars. I got more confused, after the seminar. With your video, I now have a better understanding of a very complicated MEDICARE. Thanks, much!
I'm only now 62 years old, but I try to be proactive. Your video has shed much of the mystery that is medicare for me. Third choice will be me. That six month window for choosing which supplemental insurance to get is very important and one you do not want to forget. Looking forward to looking at your medigap and part D videos. Thank you!
Thank you very much. You are very knowledgeable about Medicare programs. You give details, but you also give a summary in written words. As a result, I understand most of what you have said except the difference between Medigap and Medical Supplement. An admirer in Seattle, Washington.
Hi Choy. Thank you for your kind words. "Medigap" and "Medicare Supplement" are two terms that describe the same thing. A Medigap Plan is a Medicare Supplement Plan and vise-versa. I hope that helps!
I am 9 months away from medicare and I found this video to be an excellent starting point in my research. It presents the facts And directions I need clearly and easily understood. Thank you very much for allaying much of my trepidation.
I am turning 65 next year. I am completely new to Medicare. This is exactly what I need. These videos are light on pizzazz and heavy on substance. The information straightforward, easy to understand, and bitesize.
If this video helped you better understand Medicare, please consider contacting us. We would love your business. 800-847-9680 Our services are FREE to consumers.
I am a new Medicare (supplements) agent and I have learned so much from your video. It is on my playlist to watch multiple times, so that I can become as fluid with the concepts and aspects of medicare as you are. Thanks for keeping it simple! I hope to make it easier for seniors to understand and get supplemental coverage. Please keep the videos coming because they will help many seniors. TY
Matthew, I'm just starting down the road to medicare and I really loved your presentation. Others I've watched became absorbed in numbers, when all I really needed was a good starting point explaining my options. Great video. Thank you!
Thank you bigdrob54. It's easy to get lost in details that are not relevant to the real decision you have to make. I hope you enjoy my other videos as well.
I appreciate hearing the 3 options explained clearly. The explanation about "trading in" your medicare for the medicare advantage plan helped me understand my options in a way that I understood.
I understand the program now. I have Medicare A and B and blue cross blue shield. So many agents are calling me to change but I refuse because I love the freedom I have. Thank you for your help and I am staying with mine A&B Medicare and my insurance.😁
Attention. I am a Used catheters broker. I got all types of catheters you need. $7 for any 2 Also. I buy your used catheters. Just make sure you rinse it off before sending it to me. Using Soap is preferable. PS A different catheter vendor has some wicked neat catheters made from McDonald’s straws that are disposable and I will sell you them for $0.20 each. Recycle reduce reuse and we can end global warming. You know the ice caps are melting and the world will blow up in 8 years because the CO2 gasses will explode.
i have medicare A now & later to enroll in medicare B in my due time as well as medicare supplement. i need to learn more on these subjects . thank you.
My birthday is in September and I'm just about to enter my Medicare enrollment period. I've been freaking out about what I have to do and when to do it. Your videos have each contained useful and easily digested information. I learned something from each of them. There are a lot of videos out there with a lot of information, but they also can be overwhelming. These videos are easily understood. Thank you.
Thank you for your kind words David. I have about 40 videos available for free on CZcams and on my website medigapseminars.org/new-to-medicare/ or subscribe here: czcams.com/users/Medigapseminarsorg
These are the best videos. I've been so frustrated with everything related to Medicare and the different plans I've just about given up. This video explained it so simply I now able to make an informed choice what I need for my needs. A million thank yous Mr Claassen
Perfect time....perfect wording....perfect on recaps. I am a retired teacher who is ignorant about insurance and have been hearing all sorts of things from others concerning medicare and you painted it in black and white. Now, it is starting to make sense. You are an excellent teacher. Please do a video on tricare for life.
Matthew was so clear in his videos concerning Medicare and supplement plans! I wish I had seen these before I signed up for Medicare originally. If you are new to Medicare, do yourself a favor and listen as he explains the original Medicare and how the supplements impact your coverage....and your pocketbook!!! Matthew, the only suggestion I would make to this great video is in the explanation of the deductible. For those who don't understand deductibles, it was not mentioned that deductibles start over at the beginning of every calendar year. If you did state that, I apologize for missing it!! All of your videos that I have listened to have been super informative and helpful!! Thanks!!
Thank you for your kind words Karen. I do detail the Annual Deductible for Part B and per event deductible for Part A in other videos. This video intentionally avoided those details so we can focus on the big picture.
Im not a native but for some reason my job requires me to have a deeper understanding on how Medicare works..and after going through a couple of videos..i should say..this one nailed it..for someone who doesnt have any idea on how this works..i should say this video was able to explain Medicare in the simplest yet very informative manner covering all aspects to get one started..thanks..big help..
Excellent information! It’s the best info that I gathered in CZcams. I keep watching it because I just applied for a Medicare and I have a very little idea about it. Thank so much it really help us we the seniors
Matthew, you get the Top Award for Absolute Understandable Medicare Explained. Bravo!! Bravo!! I am trained by Medicare weekly on Medicare Topics as a Medicare Beneficiary Consultant. Your video is the best and broken down into bites of golden knowledge for any person to make an informed decision. You will be my mentor to follow after and I plan to send many people your way. Thank you!
@@MedigapSeminars We are trained along with the SHIP volunteers. We are the consultants who are trained to educate communities about their Medicare benefits and advocate for their rights as Medicare Beneficiaries. We are officially called intervention providers.
This has to be the best way I have heard Medicare explained ,I have a Medicare advantage plan and was denied a supplement plan due to a medical condition. Thank you.
Thank you so much for this informative video! I will be 65 next summer and am feeling very ignorant about Medicare. I feel much more informed now, and I am looking forward to watching your other videos. God bless!
This is the BEST and most THOROUGH explanation I've seen or heard. For us ADD seniors it is quiet, appropriately paced, and articulate. Every time I try to read the literature from many sources, my eyeballs roll around in my head and I get frustrated and give up. This presentation kept my attention, he explains a bunch of stuff and then goes back and reviews and summarizes. Visual aids also make it easier to focus and remember. Thank you very much and I will contact your group when I'm ready to shop for a plan :) :)
Thank you for explaining everything about MEDICARE and how it works, as well as its supplements. I jumped into this MEDICARE thing without clearly understanding how it works. But now, I finally understand. Your presentation was short but concise. And it just confirmed that I made a good choice. At that time, I had no one to ask or to explain the details of how MEDICARE works. However, the problems I encountered were more from the providers' clinical staff. I don't think they fully understand how MEDICARE works. I think they're the ones who also need this kind of orientation more than the beneficiaries. I had several instances where I have to explain that I am on MEDICARE but they insist that I should get a primary physician and a referral before they could attend to me. For this part, I really get confused. I think some of them are not yet ready to accept MEDICARE patients.
re: "However, the problems I encountered were more from the providers' clinical staff. I don't think they fully understand how MEDICARE works" OMG YES!! It is such a common problem that Medicare has very clear fines if a complaint is filed and staff is found lacking. There are medical facilities and many, many agent that use my material for training. I was giving a talk in Charleston a couple weeks ago, sponsored by a friend and CZcams Medicare competitor. Over 100 agents paid a lot of $$ to hear me speak. I was amazed by how many told me they used my videos to learn Medicare. It was a fun weekend.
True! The tone of voice matters a lot when explaining about a difficult topic. Mr. Classen's voice was calm yet, firm and with authority but not intimidating.
I am getting ready to sign up for Medicare Part B with either an advantage plan or medigap plan. I bought the Medicare for Dummies book, read a lot on line, read the tons of mail I have received, but your 30 minute video was outstanding and gave me all the information I needed to know to avoid an advantage plan and to go with a medigap plan. I wish I found your video sooner, would have saved hours of my life researching all of this. I am looking forward to checking out your other videos. Thank you again.
I've been looking at medicare information for several years and this video answered those questions that all the literature seems to skirt around. Bravo.
I’m blessed to have discovered your channel. I’ve subscribed and will watch all your videos as I am almost at the FRA range and need something easily understood and informative to ease the anxiety these types of decisions create. Thank you again.
I liked this video. I have an agent who is recommending my part D. I heard you say at the end don't use an agent. I will watch the other video as I am signing on Monday, I think. He has been a great agent over the years and trust his advice. So, this concerning now. Thank you so much for your time in information. I will watch the Part D video to see what I should do. Again, much thanks for making a video that I did not fall asleep with repetitious explanations. I understood it very well. This is my first at Medicare and it is not easy to grasp all that is needed to choose from at once.
Smooth as silk. No wrinkles and very clear. After listening to your seminar I felt peaceful and confident in making my decision. Thank you for being you!
Thankyou, I will be going on Medicare at soon, and this was a great help. I will need to listen to is a few more times, take notes, and probably call you with more questions. Thanks
You are welcome James. Please reach out to us if we can help you find the right plan and /or insurance company. Our services are free to you, the consumer.
I was lost in an information overload, trying to start he decision process for Medicare. This video was excellent, clear concise information. Thanks ever so much.
Sir, I am 62, still full-time employed, retiring Dec 2019 or Jan. 2020. I had no info whatsoever about Medicare. I just figured I would have no health insurance until I was 67. You are an excellent teacher. Very clear and concise. Thank you. I subbed and 👍.
I'm new to the business. not new to insurance just new to Medicare. I found this video very informative and you explained it very well in conjunction with what I'm already reading.
Your very professional, to the point and very credible. I especially like the quick seamless edits. You probably saved your viewers and I'm sure yourself, a lot of time. Bob in Grapevine, TX. 30 years of video production... retired.
Awesome video. I did the mandatory Medicare part A when I turned 65. My husband already has insurance with his work, so I didn't sign up for Med B He is also a Veteran. When I signed up for Med A, the Veterans said they would no longer cover me unless I had Medicare B. A prescription that I paid 3$ for went to 65$. I went into the hospital the other day because I thought I was having unusual blood pressure and it calmed down when I was in there thankfully. Because I did not get an overnight stay or admitted, the Medicare A did not cover it. Also, we have a problem here because no dermatologist will take medicare or veterans insurance.
Matthew, I came into this completely in the dark and you did a GREAT job enlightening me. I took notes like I was getting ready for a school exam. Thank you so much... Jim
Wow, I was so confused with what I had read about Medicare and I was less than a week away from signing up. This video helped me understand way beyond my hopes. If you are someone you know is close to sign up date, please show them this video.
Thank you Carl. Feel free to reach out to us if we can help you find the right Medicare supplement plan and insurance company. We work in 49-states and our services are free to consumers. 800-847-9680 medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
I just accepted a job as a medicare customer service professional and am using your videos as a foundation to my understanding of medicare insurance. thank you, good stuff.
The great thing about the VA is you usually don't need a Part D plan. If you would like to talk about your options in folding Medicare with VA feel free to call us. 800-847-9680
I have been getting a pile of mail all trying to sell me their plans. But hardly anything that educates. You explained everything so very well. Thank you so very much. I also subscribed.
I am glad you found my videos. Click her for more #MedigapSeminars.org or, of course, subscribe. I would love to compete for your business medigapseminars.org/quotes/medigap-quote-request/
Your comment made me chuckle. In person seminars typically try to lead people to one product or another. You can learn from them, but it's what is not said in most of those presentations that is crucial.
My husband and I didn't understand anything about Medicare Advantage or Medicare Supplement and did not really understand the difference. Your video was extremely informative. My husband enrolled just before the deadline this past Dec. He called Kaiser first to enroll in a medicare supplement but couldn't. He'd have to supply previous medical info and he would have to pay a premium which was not in the budget. He ended up enrolling in a medicare advantage plan with United Healthcare/AARP with $0 premium which is great. We're not thrilled with the fact that you don't have freedom to choose your own doctor, but the $0 premium w/low co pays took prescedent. You mentioned in video that the medicare advantage plans can change yearly and you have to enroll every year during enrollment period. We wish we had seen your video long before now. The information is very helpful for me. I want to be better prepared for when my time comes to enroll. Thank you for sharing this valuable info with us!
Hi Fran, I am glad you found this information helpful. I believe you will find this recent article I wrote on a report by the Inspector General for Medicare very enlightening: medigapseminars.org/ig-report-on-medicare-advantage-denial-of-service/
Thank you for such a clear explanation of the terminology and mechanics of Medicare. I am a patient registrar at an emergency room in a major trauma hospital. part of my job is to collect ins copays and deductibles. it is so confusing and I really appreciate your video. i am going to share it with my co-workers
#medigapseminars
I am almost 65. I just got Medicare info package in mail yesterday. Going to read it today. BUT, what has ALWAYS puzzled me is: Once you've paid premiums for years and years, and haven't gotten sick, and you DO finally get sick, now you have a "co-pay", a "deductible", and then 20% of the final bill, you've ALREADY PAID FOR MOST OF YOUR BILL WAY AHEAD OF TIME!!!! Why is a "co-pay" any different from a partial "deductible"??? And why pay 20% when you've paid premiums for maybe decades???!!! I haven't even gotten a cold for over thirty years! Please tell me how Medicare isn't a load of crap!
@@MrDANGitall Just ask the people who have been sick and their insurance prevented bankruptcy. I will bet dimes to donuts you have insurance on your house, your car maybe even your life. The objective of health insurance is to prevent financial catastrophe when you are sick or injured. It's so you do not have to go back to work or declare bankruptcy. It's not to pay every bill.
@@MedigapSeminars ---> What's up with the co-pay, and the 20%, after I've paid, and paid...and paid??! When my truck get hit, I just pay the deductible, and then they FIX it.
:-) What's up with having to buy all this gas to drive my truck? All these payments for the truck and it doesn't even work without gas.
If you want to just pay a small deductible and everything else is done, get a Medigap Plan G. All you paid for from payroll taxes is Medicare Part A. That's it. Everything else is extra.
@SJG SJG It's a rolling 2-year look-back. Every year they look at your taxes 2-years ago and set your IRMAA for that calendar year.
This is the only video one needs to watch to understand Medicare.
Thank you Susan. Your check is in the mail. ;-)
@@MedigapSeminars I agree with Susan , so much confusion out there . I sat and listened to the video and all my questions were answered .... Thank you !!!
I like this video I ' ll to share it to some of my friends so that they can understand well about Medicare I wish I could always watch your video everytime.
I'm from Washington State more power and God bless you always.
I thought the last CZcams teacher with Medicare’s plans supplements, all about Medicare was good, but you have definitely taken the prize for being a great teacher because I surely have learned more than I knew, and I thought I knew just about all of it. Thank you!
Thank you!
I was feeling very overwhelmed with understanding Medicare and all the options, I appreciate how you presented the information so simple and concise without over explanations. I feel like "I get it" now. Thank you so much!!
@@kentnauman9863 wow bad day?
I’m a Medicare agent and this guy speaks the truth. Well done.
O K I agree with you. Especially how he explained the Medicare Supplement plan enrollment. His tone of voice is very relaxed, encouraging to listen to and absorb knowledge from.
Please help my mother she is new immigrant
I am turning 66 Sept. 2020. I signed up for Medicare part A in October. My wife is a teacher 4 years younger than me in Texas. Since she gets no SS, is it advisable for me to retire at 66 but go under her insurance until a year passes, then get on Medicare when my salary is drastically reduced
@@bigfootbreath yes, medicare is expensive. whichever is cheaper
being in HR for a large school system, this is the best video I have viewed explaining the various plans and responsibilities for people considering retirement plans.
Yeah it’s so nice
How are you ??
Turning 65 next March (2019) and retiring at 66....coming up on my initial Medicare enrollment. Been a little bit apprehensive and unsure about all this... until now. Thank you for your information and the clear and concise way in which you presented it.
I've been researching Medicare, to put it bluntly its not easy to get unbiased accurate info. This video does that. It's worth watching just to get clear about Medicare Advantage vs Medicare Supplement plans. Thank You!
Bob - couldn't agree more - I now feel I have a much better grasp of the subject matter and certainly plan on watching all Matthew's presentations - all the best
This is the best description of Medicare I've seen, and I've seen a few in person. It was concise, coherent and well paced. You managed to predict my questions when you reinforced the salient points periodically. I will watch the rest of these as I near 65. Thank you for posting.
You are welcome Ken You might try here first: medigapseminars.org/new-to-medicare/
I now understand the difference between Original Medicare and Medicare Advantage. Your videos are great! You explain so much for this important topic. Thanks for the information!
You are welcome David!
Me, too!
This is an excellent informative and educational video that’s well presented with clear and concise easy to understand step by step process. Thank you sir.
Thank you for Channel. I am currently a life, accident and health insurance agent studying for United healthcare to be able to sell Med Supp products. The company that I work for has made it very clear that we do our business morally and ethically in favor of the clients' he needs. I would also like to be able to educate my friends, family and acquaintances and other business partners. A quick review on your seminar; the information was presented very clearly, the recaps were a nice review. The resources that we can navigate on our own that you provided are a wonderful tool. The pace in which you recorded this video was nice and your cadence remained calm and consistent. If I could give you 10 Stars I would. Thank you for doing this for us all.
You are welcome
Thank You for speaking very calmly. I love the pace you used. This was very insightful.
Also, tip for everyone else: just do something to keep you busy while listening. I ironed all my clothes for work, lol. So, I was able to be very attentive.
LOL - that's great!
Kerline Kay take notes
I’m sorry but you’re voice was very calming to me that I fell asleep listening to you... but I still remember what I learned from you... so last year I chose the Medicare supplement!
Simply and clearly explained without any bias. Graphics charts etc mixed in your presentation would help understand even better. Didn't realize Medicare is ridiculously complicated, potentially costly and endlessly confusing.
Did this video answer your questions and provide you the information you need? Please let me know.
At 23:44 of the video you stated that the annual out of pocket can be limited to down to zero or just a couple $100 a year. Did you mean a couple of $100 a month? TeeStrat@aol.com
Hi Tasso. "Out-of-pocket expense" refers to what you would be obligated to pay for medical bills. It does not include a monthly insurance premium. So yes, you can limit your out-of-pocket expense to zero or just a couple hundred dollars a year.
Actually, I had a question and called your 800 #, but only got voice mail. My question has to do with being on Medicare due to a medical disability. Does that mean it would be hard or not even possible for me to get a Medigap plan?
Case: Have Medicare and a Medigap Plan C [in Michigan, only Plan C and A are allowed for people under 65]. Now, approaching 65, and my understanding is I can transfer into Medicare as age allowed vice disability. How does that work? WIll I get notice from Medicare about this new enrollment opportunity, such that I can elect a different plan? Have also heard Plan C is being discontinued in 2020 or coverage is being changed such that Plan C will require co-pays, except if one is already enrolled, you are grandfathered in to the current coverage. Thanks in advance.
Still undecided as to buy in to Part B. I have a retirement plan from my ex job. I dont know how it would benefit me.
I was in training / development for 30+ years and I can say you are a great trainer. Excellent delivery skills! Very informative content. Well done!
Thank you very much, Oliver. :-)
Thank you for your informed video. I signed up for Social Security but I was still working, I retired 1/10/20 and I think SS said I had to sign up for Medicare within 90 days after I retired.
Your videos are priceless in helping me to understanding Medicare. Thank you so much for helping me. May God richly bless you
You are welcome Richard. If you would like our advice and help with your Medicare, feel free to reach out to my office. Our services are free to you, the consumer. 800-847-9680
Well done Matt. Presented in a calm, well structured and thoughtful manner. You made more sense then those who bounce around without connecting the dots. Thank you.
Medicare Explained is the best video to explain what Medicare is and what it covers. Matthew is Awesome. Thank you!
Thank you for such kind words, Denise!
I enjoyed your video. I am over 65, and prior to being qualified to MEDICARE at age 65, I went to a couple of MEDICARE seminars. I got more confused, after the seminar. With your video, I now have a better understanding of a very complicated MEDICARE. Thanks, much!
You are welcome. I have over 40 videos on Medicare #Medigapseminars I hope the others are helpful too.
I'm only now 62 years old, but I try to be proactive. Your video has shed much of the mystery that is medicare for me. Third choice will be me. That six month window for choosing which supplemental insurance to get is very important and one you do not want to forget. Looking forward to looking at your medigap and part D videos. Thank you!
You are welcome Marty
I knew nothing about Medicare before this video and now I feel much more knowledgeable about the programs and options available. Thank you
Thank you very much. You are very knowledgeable about Medicare programs. You give details, but you also give a summary in written words. As a result, I understand most of what you have said except the difference between Medigap and Medical Supplement. An admirer in Seattle, Washington.
Hi Choy. Thank you for your kind words. "Medigap" and "Medicare Supplement" are two terms that describe the same thing. A Medigap Plan is a Medicare Supplement Plan and vise-versa. I hope that helps!
I am 9 months away from medicare and I found this video to be an excellent starting point in my research. It presents the facts And directions I need clearly and easily understood. Thank you very much for allaying much of my trepidation.
Thank you Gerard. You will find a series of free videos I produced for people researching Medicare here: medigapseminars.org/new-to-medicare/
I am turning 65 next year. I am completely new to Medicare. This is exactly what I need. These videos are light on pizzazz and heavy on substance. The information straightforward, easy to understand, and bitesize.
I am glad you find them helpful. I look forward to competing for your business.
If this video helped you better understand Medicare, please consider contacting us. We would love your business. 800-847-9680 Our services are FREE to consumers.
MedigapSeminars.org m
I thought you go through social security to get Medicare A and B?
@@sherrywood8058 Yes, you do. I cover that in detail in this video: czcams.com/video/wegBnIZd_Tk/video.html
@@sherrywood8058 You do. What made you think otherwise?
You answered all my questions. Thanks for your explaining better than
anyone I have ever heard. Spot on. BTW, I will keep my gap plan. Yvonne in NC.
Matthew did an awesome bob of explaining Medicare part A and B in this video and made it very easy to understand! Thank You Matthew, I appreciate you!
I am a new Medicare (supplements) agent and I have learned so much from your video. It is on my playlist to watch multiple times, so that I can become as fluid with the concepts and aspects of medicare as you are. Thanks for keeping it simple! I hope to make it easier for seniors to understand and get supplemental coverage. Please keep the videos coming because they will help many seniors. TY
Thank you for your kind words Rebekah. I wish you the all best. Just remember, success comes from putting your client's interests first, always.
Matthew, I'm just starting down the road to medicare and I really loved your presentation. Others I've watched became absorbed in numbers, when all I really needed was a good starting point explaining my options. Great video. Thank you!
Thank you bigdrob54. It's easy to get lost in details that are not relevant to the real decision you have to make. I hope you enjoy my other videos as well.
Matthew: This is the information I have been looking for. Especially on the difference between Advantage & Medi-gap plans. Thank-you.
I appreciate hearing the 3 options explained clearly. The explanation about "trading in" your medicare for the medicare advantage plan helped me understand my options in a way that I understood.
Hi Jana, I am glad my video helped. Feel free to reach out to my office if you would like personalized recommendations. 800-847-9680
I understand the program now. I have Medicare A and B and blue cross blue shield. So many agents are calling me to change but I refuse because I love the freedom I have. Thank you for your help and I am staying with mine A&B Medicare and my insurance.😁
Thanks for not having stupid and distracting background music
You are so right
Robert Yuille Yes!
Robert Yuille Amen!
Attention. I am a Used catheters broker. I got all types of catheters you need. $7 for any 2
Also. I buy your used catheters. Just make sure you rinse it off before sending it to me. Using Soap is preferable.
PS A different catheter vendor has some wicked neat catheters made from McDonald’s straws that are disposable and I will sell you them for $0.20 each. Recycle reduce reuse and we can end global warming. You know the ice caps are melting and the world will blow up in 8 years because the CO2 gasses will explode.
i have medicare A now & later to enroll in medicare B in my due time as well as medicare supplement. i need to learn more on these subjects . thank you.
Great dante. If you have employer group coverage, delaying Part B as long as you can is usually a good idea.
My birthday is in September and I'm just about to enter my Medicare enrollment period. I've been freaking out about what I have to do and when to do it. Your videos have each contained useful and easily digested information. I learned something from each of them. There are a lot of videos out there with a lot of information, but they also can be overwhelming. These videos are easily understood. Thank you.
Thank you for your kind words David. I have about 40 videos available for free on CZcams and on my website medigapseminars.org/new-to-medicare/ or subscribe here: czcams.com/users/Medigapseminarsorg
These are the best videos. I've been so frustrated with everything related to Medicare and the different plans I've just about given up. This video explained it so simply I now able to make an informed choice what I need for my needs. A million thank yous Mr Claassen
You are welcome Joni
Very clear, understanding and helpful. I’m so impressed.
Thank you very much!!!
Thank you, John. Please consider calling my office if we can help you find a Medigap Plan. Like my videos, our service is free to you. 800-847-9680
Perfect time....perfect wording....perfect on recaps. I am a retired teacher who is ignorant about insurance and have been hearing all sorts of things from others concerning medicare and you painted it in black and white. Now, it is starting to make sense. You are an excellent teacher. Please do a video on tricare for life.
Hi, thank you for your kind words. Because Tricare for Life does not use Independent Brokers, I am not able to do a video on their plan.
Matthew was so clear in his videos concerning Medicare and supplement plans! I wish I had seen these before I signed up for Medicare originally. If you are new to Medicare, do yourself a favor and listen as he explains the original Medicare and how the supplements impact your coverage....and your pocketbook!!! Matthew, the only suggestion I would make to this great video is in the explanation of the deductible. For those who don't understand deductibles, it was not mentioned that deductibles start over at the beginning of every calendar year. If you did state that, I apologize for missing it!! All of your videos that I have listened to have been super informative and helpful!! Thanks!!
Thank you for your kind words Karen. I do detail the Annual Deductible for Part B and per event deductible for Part A in other videos. This video intentionally avoided those details so we can focus on the big picture.
THANKS FOR MAKING THE VIDEO. MY UNDERSTANDING OF MEDICARE PART A/B IMPROVED WITH LISTENING TO THIS VIDEO.
You are very welcome
Im not a native but for some reason my job requires me to have a deeper understanding on how Medicare works..and after going through a couple of videos..i should say..this one nailed it..for someone who doesnt have any idea on how this works..i should say this video was able to explain Medicare in the simplest yet very informative manner covering all aspects to get one started..thanks..big help..
Thank you Francis!
Francis Konrad Ignacio ķ0
Excellent information! It’s the best info that I gathered in CZcams. I keep watching it because I just applied for a Medicare and I have a very little idea about it. Thank so much it really help us we the seniors
You are welcome. Feel free to call my office at 800-847-9680 if you would like to compare Medicare supplement prices.
Matthew, you get the Top Award for Absolute Understandable Medicare Explained. Bravo!! Bravo!! I am trained by Medicare weekly on Medicare Topics as a Medicare Beneficiary Consultant. Your video is the best and broken down into bites of golden knowledge for any person to make an informed decision. You will be my mentor to follow after and I plan to send many people your way. Thank you!
You are welcome. And thank you for your very kind words.
I didn't know Medicare trained "Medicare Beneficiary Consultants" Is this part of a SHIP program?
@@MedigapSeminars
We are trained along with the SHIP volunteers. We are the consultants who are trained to educate communities about their Medicare benefits and advocate for their rights as Medicare Beneficiaries. We are officially called intervention providers.
@@seniorhealthnews9677 Very interesting. I have not heard of this before. Must be enjoyable
Medicare is socialized medicine for seniors. All Americans should be allowed to enroll in programs like Medicare.
This video was absolutely tremendous.
I am going to watch all of his videos.
I have never heard it explained so perfectly!
Thank you so much!
Your are welcome. Feel free to reach out to us for more personalized help. 800-847-9680
like Thank you so much for the best explanation I have seen on this very important decision. Didn't feel like you were all about selling like others.
You are welcome. The objective is to make an informed decision. We can help no matter what decision you make.
This has to be the best way I have heard Medicare explained ,I have a Medicare advantage plan and was denied a supplement plan due to a medical condition.
Thank you.
Now I know why a Medicare card showed up in my mail, I was auto enrolled because I started taking SS at 62. Excellent teaching, thank you!
Thank you so much for this informative video! I will be 65 next summer and am feeling very ignorant about Medicare. I feel much more informed now, and I am looking forward to watching your other videos. God bless!
If you like this video you are sure to like my other videos specifically for people New To Medicare medigapseminars.org/new-to-medicare/
This is the BEST and most THOROUGH explanation I've seen or heard. For us ADD seniors it is quiet, appropriately paced, and articulate. Every time I try to read the literature from many sources, my eyeballs roll around in my head and I get frustrated and give up. This presentation kept my attention, he explains a bunch of stuff and then goes back and reviews and summarizes. Visual aids also make it easier to focus and remember. Thank you very much and I will contact your group when I'm ready to shop for a plan :) :)
Thank you for explaining everything about MEDICARE and how it works, as well as its supplements. I jumped into this MEDICARE thing without clearly understanding how it works. But now, I finally understand. Your presentation was short but concise. And it just confirmed that I made a good choice. At that time, I had no one to ask or to explain the details of how MEDICARE works.
However, the problems I encountered were more from the providers' clinical staff. I don't think they fully understand how MEDICARE works. I think they're the ones who also need this kind of orientation more than the beneficiaries. I had several instances where I have to explain that I am on MEDICARE but they insist that I should get a primary physician and a referral before they could attend to me. For this part, I really get confused. I think some of them are not yet ready to accept MEDICARE patients.
re: "However, the problems I encountered were more from the providers' clinical staff. I don't think they fully understand how MEDICARE works" OMG YES!! It is such a common problem that Medicare has very clear fines if a complaint is filed and staff is found lacking. There are medical facilities and many, many agent that use my material for training. I was giving a talk in Charleston a couple weeks ago, sponsored by a friend and CZcams Medicare competitor. Over 100 agents paid a lot of $$ to hear me speak. I was amazed by how many told me they used my videos to learn Medicare. It was a fun weekend.
Anthonycicero said you have a excellent video 2 thumbs up for your websites thankyou
Very well explained. Especially, tone of your voice was easy to understand and concentrate.
Thank you!
True! The tone of voice matters a lot when explaining about a difficult topic. Mr. Classen's voice was calm yet, firm and with authority but not intimidating.
I am getting ready to sign up for Medicare Part B with either an advantage plan or medigap plan. I bought the Medicare for Dummies book, read a lot on line, read the tons of mail I have received, but your 30 minute video was outstanding and gave me all the information I needed to know to avoid an advantage plan and to go with a medigap plan. I wish I found your video sooner, would have saved hours of my life researching all of this. I am looking forward to checking out your other videos. Thank you again.
Thank you for you kind comment!
I've been looking at medicare information for several years and this video answered those questions that all the literature seems to skirt around. Bravo.
Thank you Dawn.
I liked the way you clearly explained the various options, medicare supplement vs medicare advantage.
Thank you Susan
I’m blessed to have discovered your channel. I’ve subscribed and will watch all your videos as I am almost at the FRA range and need something easily understood and informative to ease the anxiety these types of decisions create. Thank you again.
you are welcome.
I liked this video. I have an agent who is recommending my part D. I heard you say at the end don't use an agent. I will watch the other video as I am signing on Monday, I think. He has been a great agent over the years and trust his advice. So, this concerning now. Thank you so much for your time in information. I will watch the Part D video to see what I should do. Again, much thanks for making a video that I did not fall asleep with repetitious explanations. I understood it very well. This is my first at Medicare and it is not easy to grasp all that is needed to choose from at once.
Smooth as silk. No wrinkles and very clear. After listening to your seminar I felt peaceful and confident in making my decision. Thank you for being you!
Thankyou, I will be going on Medicare at soon, and this was a great help.
I will need to listen to is a few more times, take notes, and probably call you with more questions.
Thanks
I would be happy to talk with you when you are ready.
Very concise explanation. It is a very daunting subject that people need to approach at sometime. Thank you!
You are welcome James. Please reach out to us if we can help you find the right plan and /or insurance company. Our services are free to you, the consumer.
Excellent description A, B, and C plans. Thoroughly descriptive. Pleasant voice. I look forward to listening to the addition
al videos Matthew!
Thank you Danita.
I finally understood Medicare Part A & B and all about Supplements. Thank you sooo much !!!
You are very welcome!
excellent overview which is very helpful to understand the big picture while pointing to places to investigate one's options further...great job!
The clearest information thus far👍👍
Thank you Patricia
Very clear and easy to understand with a calm voice.
@@jba7025 Macy's Macy's department stores I ^
0u
You are not putting anyone to sleep. This is good well rounded information. Excellent. Thank you for helping.👍
You are welcome
I was lost in an information overload, trying to start he decision process for Medicare. This video was excellent, clear concise information. Thanks ever so much.
You are welcome Bill. I hope my other videos help as well. czcams.com/play/PL2KZrVNBipJgVaEFBaObZ_84qr7Nm6WUM.html
Matt explained this so clearly! I took notes and now I’m fairly confident I know which plan and supplement to sign up for
Thankyou for explaining in more detail, super great teaching.
Thank you Isabella
Sir, I am 62, still full-time employed, retiring Dec 2019 or Jan. 2020. I had no info whatsoever about Medicare. I just figured I would have no health insurance until I was 67. You are an excellent teacher. Very clear and concise. Thank you. I subbed and 👍.
I'm new to the business. not new to insurance just new to Medicare. I found this video very informative and you explained it very well in conjunction with what I'm already reading.
Thanks Victor. I bet you will find helping people with their Medicare very emotionally and spiritually rewarding. Best of luck!
Excellent info. I went from very confused to a clear understanding of what will work for me. Thanks.
Your very professional, to the point and very credible. I especially like the quick seamless edits. You probably saved your viewers and I'm sure yourself, a lot of time. Bob in Grapevine, TX. 30 years of video production... retired.
Thank you , Bob. Learning the video end of this has been a fun journey. I know just enough to do what I am doing. ;-) Thank you for kind words.
Awesome video. I did the mandatory Medicare part A when I turned 65. My husband already has insurance with his work, so I didn't sign up for Med B He is also a Veteran. When I signed up for Med A, the Veterans said they would no longer cover me unless I had Medicare B. A prescription that I paid 3$ for went to 65$. I went into the hospital the other day because I thought I was having unusual blood pressure and it calmed down when I was in there thankfully. Because I did not get an overnight stay or admitted, the Medicare A did not cover it. Also, we have a problem here because no dermatologist will take medicare or veterans insurance.
Matthew, I came into this completely in the dark and you did a GREAT job enlightening me. I took notes like I was getting ready for a school exam. Thank you so much... Jim
:-) I hope you enjoy my other videos as well!
Super helpful, thank you! very clear, no background loud music, and very calmed and articulated. Congratulations for your channel.
Thank you Ingrid. :-)
Great job! I had no clue. 65 June of 2019.
Wow, I was so confused with what I had read about Medicare and I was less than a week away from signing up. This video helped me understand way beyond my hopes. If you are someone you know is close to sign up date, please show them this video.
Thank you Carl. Feel free to reach out to us if we can help you find the right Medicare supplement plan and insurance company. We work in 49-states and our services are free to consumers. 800-847-9680 medigapseminars.org/medicare-supplement-specialist-independent-medicare-insurance-broker/m-quote-request/
I just accepted a job as a medicare customer service professional and am using your videos as a foundation to my understanding of medicare insurance. thank you, good stuff.
much easier to understand things, thanks
Great job think I got it!i Thanks for your hard work and time ! The one thing I need to look at is my VA and how to tie this all together?
The great thing about the VA is you usually don't need a Part D plan. If you would like to talk about your options in folding Medicare with VA feel free to call us. 800-847-9680
Very clear and informative. A must watch for anyone turning 65 yrs. Thank you.
Thank you Stella
I have been getting a pile of mail all trying to sell me their plans. But hardly anything that educates. You explained everything so very well. Thank you so very much. I also subscribed.
I am glad you found my videos. Click her for more #MedigapSeminars.org or, of course, subscribe. I would love to compete for your business medigapseminars.org/quotes/medigap-quote-request/
Great stuff one of the best video period I seen in long time, thank you so much for all ur help
You are welcome!
Excellent presentation. Very informative and easy to understand.
Thank you
Good to Know things about the Medicare Advantage plan.. vs. Medicare A (hospital) & B (dentist, eye doctor); MediGap (Medicare supplement plans)....
Easy to understand explanation of Medicare programs. Thanks.
Your welcome!
Very informative and easily understood. Saved me from attending a seminar.
Your comment made me chuckle. In person seminars typically try to lead people to one product or another. You can learn from them, but it's what is not said in most of those presentations that is crucial.
So clear and helpful! Thank you!
:-) You are welcome, Rebecca
This explanation was better than the trading I am taking. Will watch other videos as well. Thank you.
I am told quite a number of medical offices and insurance agencies use these videos for training. I should have packaged and sold them! LOL
very easy to understand and follow
This was very helpful. Had considered Advantage but this has convinced me not to. Left question on previous seminar.
Why did social security, send me back my money I was paying into of choosing my own doctor.
My husband and I didn't understand anything about Medicare Advantage or Medicare Supplement and did not really understand the difference. Your video was extremely informative. My husband enrolled just before the deadline this past Dec. He called Kaiser first to enroll in a medicare supplement but couldn't. He'd have to supply previous medical info and he would have to pay a premium which was not in the budget. He ended up enrolling in a medicare advantage plan with United Healthcare/AARP with $0 premium which is great. We're not thrilled with the fact that you don't have freedom to choose your own doctor, but the $0 premium w/low co pays took prescedent. You mentioned in video that the medicare advantage plans can change yearly and you have to enroll every year during enrollment period. We wish we had seen your video long before now. The information is very helpful for me. I want to be better prepared for when my time comes to enroll. Thank you for sharing this valuable info with us!
Hi Fran, I am glad you found this information helpful. I believe you will find this recent article I wrote on a report by the Inspector General for Medicare very enlightening: medigapseminars.org/ig-report-on-medicare-advantage-denial-of-service/
Thank you!! It's Not just the video; it's how you explains your self.Anyone can be a teacher but a Very few CAN teach.
Thank you Henry. Thank you
This was really helpful for my essay on Advantage and Medigap plans.
Depending on how in-depth you want to get for your essay, you will find a lot of survey data and other useful information at www.kff.org/ :-)
Excllant presentation. Thank you sir for your time. /) ^
👍
Thank you for such a clear explanation of the terminology and mechanics of Medicare. I am a patient registrar at an emergency room in a major trauma hospital. part of my job is to collect ins copays and deductibles. it is so confusing and I really appreciate your video. i am going to share it with my co-workers
Thank you for such a wonderful compliment!
excellent video very well explained matthew speaks clearly and slow enough for me to get what he says and understand it also.