How Does Medigap Plan GHD Actually Work?

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Medigap Plan GHD Review

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[DavidBeede]

It's so good to see someone is giving an accurate overview of Plan GHD. My wife and I have been on it in Florida and have saved over $4000 in two years. I ran the numbers and since our premiums are around $50 and Plan G around $200 even in a maxed out year the "risk" amounts to us paying an extra $40 or $50 for that year. I know those lower premiums mean less in your pocket Keith, so kudos to you for prioritizing the best interest of your clients. I liked and subscribed!

[bobm]

Every person shopping for a supplemental medigap plan in New York, Connecticut & Washington needs to watch this video!!

[robertmiller]

Keith, excellent video covering HD G plans. Not many agents even mention HD G because of the much lower commission. That's why I chose your organization with the help of Henri to enroll me in a plan N ( good price in PA). I must say that HD G plan is a sensible option in the states you mention and for people in reasonably good health and Plan G is $150 or more. Also, their's a lot of sick people in Plan G so expect your premium increases to be 8 to 12 percent per year versus 3 to 6 for Plan HD G or Plan N . And the killer is the compounding effect over the years of that premium.

[kennethwest]

From what i found through my research is on ghd the part b deductible of 226 dollars does count towards your ghd 2700 dollar out of pocket maximum.

[kim.in.nature.]

Thank you!
I am 63.5 and doing research on this ridiculously difficult and overwhelming, mandatory insurance.
I am healthy and avoid the Dr as much as I can.
G HD is a no brainer for me.
That solves this research project!
Phew!

[m.a.dasilva]

Thank you Henri and Keith for leading me in the right direction! It only took 2 dozen videos from various authors to realize not only did I need a knowledge partner in helping me choose the right plan but I also wanted someone who was in the same state that I was and understood what I needed. Plan GHD is the one for me!
Thanks so much guys we'll talk again I'm sure in the future👍

[cindkmac]

Henri is so helpful and all the team working hard for us. In the world we live in today, it’s a big blessing to have them always giving best customer service

[Retiredmco]

Keith excellent 👍 breakdown of HDG!! When it's my time to get on Medicare I'll be most likely getting HDG.

[RC]

To my knowledge, according to the Washington State Insurance Commission's list/pdf of approved Medigap policies, there's only ONE Medigap policy that has a guaranteed issue (doesn't require a health screening) policy. It's by the Health Care Authority through Blue Cross or Blue Shield (I can't remember which one it is off the top of my head). If a Washington State resident is rejected by an insurer for a Medigap policy, they can get a Supplement Medicare Policy through WSHIP (Washington State Health Insurance Pool). If someone has a doctor that they receive regular care from (within 12 months) that isn't part of a private Medicare Advantage Plan, then they can sign up for WSHIP's "Medical Supplement Plan" and not have to sign up for a Medicare Advantage Plan. The great thing about the WSHIP plan is that it also covers medically necessary things that Medicare doesn't cover on an 80% 20% split, like regular private insurance does. That opens the door to see other doctors that don't take Medicare. It's great coverage for anyone exceptionally medically needy.

[kingnole]

Keith, please give your subscribers an updated video on the best supplement plan in Florida.

[peterhunt]

Thanks again! I'm paying $320 per month for plan G.

This is the only channel anyone should watch for medicare information.

[randolphh]

We figured this out for my wife, and she is on 2nd year of HDG. So far so good. Premium savings are about $130/mo=$1560. So net out of pocket is $2700-1560=$1140 compared to regular G.
If healthy this is great.

[miguelberrios]

"Getting hit by a bus does seems to be what it seems", very painful if you survive! But in all honesty, it seems like a no brainer for just about anyone. Although I can get plan N here in Texas for under $90, I chose HDG for under $40. 👌

[bernardberry]

"The Part B deductible is included within the High Deductible plan’s deductible. Therefore, the enrollee would pay the first $226, then Medicare will pay 80% of Part B services, and the enrollee would pay the 20% until the remaining deductible amount is satisfied.

However, there is one rare situation. If an enrollee satisfies the $2, 700 deductible using only Part A services, they would still pay the $226 in full in addition to the $2, 700 deductible. Medicare Part B would not pay their 80% cost-sharing until the $226 is satisfied." I read this from another site. Is this correct?

[km-bozx]

I just had over $900 in blood work performed. Medicare approved amount was $83. That is where the huge savings is realized, when you have an insurance plan.

[garyrhode]

In the future can you review the benefits of Plan K and L mediigap insurance plans?

[johnbeeck]

If you elect for the high deductible this year can you change it back to a low deductible plan the following year or must you go through medical underwriting?

[jeffs]

Since the Part A benefit period is 60 days, what would happen if you had say 3 hospital admissions during a calendar year with 3 months between them? Could you wind up owing more than $2700 out of pocket for the year or is the $2700 an absolute max oop no matter what?

[skydancerforever]

If you take the GHD plan with A & B what about drugs? Do you still take RX or D? I am in Michigan and will be going on Medicare May of 2025. I want to get a head start on all this.

[zigmondlockman]

I was on my wifes work medical from her company which has over 20 employees on their plan. I thought she was quitting so I went on Medicare Plan B and then cancelled b/c she continued working.
Can I go back to original plan B medicare with out any problems