Medicare LIARS! TRUTH told about Medigap Plan G in 2024

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There are so many Medicare liars especially when it comes to advantage plans. This video is the truth told about Medigap plan G in 2023. The supplemental plans for Medicare in 2023 are still the best plans a person turning 65 can get. The Medicare supplement plan n is also one of the top medigap plans for next year. I do plan g vs plan n in parts of this video and explain why you should not get an advantage plan from companies. The best medicare supplement plan g is most likely from top companies including Aetna and AARP. United healthcare and Cigna also have popular plans with coverage that is cost effective.

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Disclaimer: This video is for entertainment purposes only. If you want advice on Medicare or any of its plans, please speak to a licensed agent, whether it is me or another licensed agent. No advice should be taken from this video. If you don't speak to me about your individual concerns, I can't give you my 100% opinion.

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#medicare #medigap #medicaresupplement #medicareadvantage #medicaresupplements #medicareplang #medicarecoverage #medigap365 #brianmedicare

[JeJe]

The year before my mother passed away she switched to an advantage plan. It was wonderful to manage costs for her meds and routine Dr visits. But when she fell and broke her leg, it was a nightmare! Finding a rehab facility and home health that took her insurance required FIVE extra days in the hospital - and the care she got in the one that finally took her was abysmal! When my time comes, it's traditional Medicare with a gap plan all the way!

[kathryncashner]

In my second year on Medicare, I was diagnosed with breast cancer. Prior to that, I'd been the person who sees her primary once a year, and had a mammogram...that was it for about the previous 20 years. Because I had chosen a Plan G, I was able to go out of my small city to a large cancer center near where my daughter lived. I had a total of 4 surgeries, 16 "rounds" of chemo, and 33 radiation treatments plus numerous visits. During the second type of chemo, visits were 3 times a week. The workup included a PET scan, CT, MRI, etc. My total cost outside of the premium was the $203 deductible. If I had chosen an advantage plan, I would have had to stay in my area and undoubtedly would have hit my max OOP of over $6K on that plan. No question, for me, Plan G was the best. I did compare F and G. F had no deducible bu the premiums were $400 more. G had a $203 deductible, so I was saving $197 with G....besides being advised that plan F costs could be expected to go up more than G as it would soon have only older people on that plan. And that gym membership on an advantage plan doesn't mean anything when you are so sick that you can barely get from the bedroom to the bathroom due to chemo!

[zipcode]

Be thankful if you have no health issues. Remember. the older you get, the more health problems you will have. I used to be in excellent health. But after age 65, I have had to have surgeries but was thankful for Plan G. In 2024, the only payment I owe as a deductible is $240. Anytime I go see any doctor I pay nothing. And I can go to any doctor in the U.S. that accepts Medicare. And no pre authorizations to wait for if you need treatment. No referral needed to see any Specialist. Plan G is great!

[TheMinnow]

One huge oversight in your presentation is that with an Advantage Plan, you don't have a choice as to what Dr.'s or specialists you can see. All treating physicians must be a part of the particular insurance companies plan. Go outside that and its the subscriber that pays the entire bill. One other little caveat is that many of these Advantage Plans require prior authorization from them before they'll pay. And sometimes they will slow walk that decision. At zero cost for many of these Advantage Plans, I still wouldn't take one. There's a reason why they don't cost you anything. Only after you really need the coverage will you find out the true cost and it won't be pretty.

[kheaslett]

My girlfriend is a case manager at a rehab hospital. When she attempts to place a patient in a nursing home or assisted living center all of the so called wonderful medicare advantage insurance programs are refusing to pay !!! Florida blue / blue cross is the worst! So beware!!! Yes medicare advantage sounds wonderful until they have to pay for prolonged care. Thats when you face the death squad that denies your claim !!!
I have aetna medicare advantage... because of this i am seriously considering a change at end of this year to G or N plan !

[michaelfinley]

I’m 66 and chose the Plan G and love it. It is actually a better plan than when I had work insurance. I don’t like surprises if something major happens health wise. I don’t like having to get referrals. I don’t like having to worry about doctors being in network. I would never go with an Advantage plan.

[V_Hayden]

I will never support the privatization of health care. We see where that has gotten us.🤬

[thekirksiffs]

I turned 65 a year too late for Plan F, but I am so happy with Plan G. My premium is over $200 though. That is what it seems to run in my state and zip code. At the time I switched to Medicare, I was midway through treatment for breast cancer. Once I qualified for medicare, it was so much easier. Got nothing but grief from my previous insurance.

[worryaboutyourself]

I love your honesty. I saw a guy in Wisconsin he tried so hard to push Advantage. He gets bigger commission i heard to give me a crap plan. Advantage is bad if you have to go to rehab.

[ebutuoy]

My wife had a stroke in 2022. One of the medications alone, TPA, carried a charge of $42, 000. On Plan G we were responsible for only about 500 for the total hospital stay. Plan G is the way to go....we would never change to another.

[JT_]

After I’ve paid (or had deducted from my monthly SS benefit) for B, D and G or N, there isn’t much left from my SS benefits to live on.

[AMMandrea]

I have been on Medicare plan G for a little over a year. I pay 230 per month including B, G, and D. I have had numerous Dr’s visits, a knee replacement, and many PT appointments for rehab. I only had to pay the Medicare Part B deductible for everything except prescriptions. I kept asking the Doctors what my co pay was. It was NOTHING! Prescription is not great for my expensive glaucoma meds but still much better than when I was working. Love Plan G.

[LifewithRandyB]

Having been denied needed care on an Advantage plan from a well-known provider, I learned the hard way the dark side of going cheap. I was fortunate to be able to switch back to original Medicare with a Medigap G policy. Never again will I allow a for-profit insurance company be the decision maker for my health care.

[samkitty]

I find it curious that Plan G Supplemental can cost more than Original Medicare Part A and B.
Medicare Part A and B cover 80% of the bill, and Plan G the remaining 20%.
I'm paying more for the plan that covers less...
Only in America...

[rudester]

The problem with Advantage plans is that they are run by for profit companies. They get a fee from Medicare for every member and their profit is the difference between what Medicare gives them minus what they spend for your care.

[terrydillon]

What if your income is only $12, 000 a year, which is true for a lot of senior women. We are in trouble. Nothing to look forward but bankruptcy. Would like to move to Canada but of course at this point I can’t the for profit health care system is killing us, and so much is thrown at us.

[benjamindover]

As someone who travels both within and outside the USA, I would NEVER take an Advantage plan. It would not cover me outside of my region.

[RG-hfet]

Dental benefits aren't that great on Advantage. Barely covers anything. I have 2-3 patients on it. Don't get sucked in with a carrot in front of you that says "Dental Benefits". Been a dentist for 30+ years. I know dental benefits TOO well.

[lovitajohnson]

Wow, I actually got Brian when I called. :)
I thought I would go to plan N or G, because my plan F is so expensive.
After discussing the pros and cons of plans N & G without my asking, Brian pointed out that since I was in a new zip code my plan F was only $20 more a month then plan G. So I wound up staying with plan F.
I could hardly believe that he would go to so much trouble to make sure I got the best plan with the best price.
Thank you, Brian

[MrTommyboy]

Here in BFE Montana, I pay $130 a month for Plan G. I am very happy with it and don't expect any issues.