Plan G or Plan N Medicare Supplement? This new data is IMPORTANT.

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𝐀 𝐧𝐞𝐰 𝐬𝐭𝐮𝐝𝐲 was sent to all agents by Cigna and what they are seeing as the differences between Plan G and Plan N.

As I predicted in 2015 and showed in 2018, the trend is definitely showing a major benefit to being on Plan N in the future.

1) Plan G is now absorbing the "Guarantee Issue" folks that they cannot reject, based on the new MACRA law that started 01/01/2020.
2) At Open Enrollment (turning 65), healthy people are seeing the value of Plan N and signing up for that plan.
Meanwhile, the less-than-healthy folks that visit the doctor far more often are signing up for Plan G.

This is causing a healthier population, backed up by claims data, on Plan N vs. Plan G being used by the folks that go to the providers far more often.

These two factors are predicted to get worse in the future.
If there is a chance to change, or if you know anyone still on a Plan F or Plan G, 𝗽𝗹𝗲𝗮𝘀𝗲 𝗰𝗮𝗹𝗹 𝗺𝘆 𝗼𝗳𝗳𝗶𝗰𝗲 𝗔𝗦𝗔𝗣!
1-800-729-9590
We can't help everyone, but we certainly try!

Thank you,
Christopher Westfall​
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I enrolled in Plan N and I'm really glad I did. All of your predictions are spot on and I thank you for helping me navigate Medicare which is very complicated.

margaretcuozzo
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I’m on my first year of Plan N. I’ve had a Welllness visit, a dermatologist visit, and a colonoscopy. I have not had a single copay. So far so good.

ChiY
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My Plan N premium did NOT go up in 2021 over 2020, even though I was diagnosed and had treatment for Colorectal Cancer! The hospital bill for surgery alone was $57K, but all was covered except for the $198 deductible. Listen to this guy: I would have been bankrupt already if I had chosen another Supplement.

bobjohnson
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I know about Joe Namath I get so tired I turn the TV off switch the channel when he's on there how do they live with themselves

kathyredmond
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This is the most comprehensive and detail oriented video I’ve seen on this subject matter. This is very well done and thought out, and I thank you sir, for doing this.

robertvanderploeg
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I admire your honesty. You and your team could easily push plan G or even worse Medicare advantage to earn larger commission, but I see you will settle for a smaller commission to do what is best for the customer. That’s rarely seen in the business.

kingfish
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Holy crimeny! I've watched a few of your videos and this medicare stuff is completely overwhelming and insane! How can ANY average normal human being understand all of this mess? I sure can't!

jazzcatt
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I wish I understood this when my Husband signed up for Medicare Advantage PLAN F. Very expensive, just went up AGAIN, he’s stuck now because of underwriting and what I consider to be minor health diagnoses. Frustrating!
Thank you! I’m turning 65 in July I have been reading and watching everything I can . I had already decided on plan N.
Thank you!!

debbietidwell
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No, you don't talk too much. You are one, of a few, who care what happens to us. Thank You.

marydenison
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I've been struggling with the decision between G vs N, and I think you have convinced me based on my health that I will be doing N when my time comes!

drhuby
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I appreciate your insight. I chose Plan N a year ago at the recommendation of my insurance company. I've been second-guessing my choice, especially when others I know said Plan G was the best. Thank you for putting my mind at ease.

ChristineRaab-ppmf
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Honesty is priceless. Thanks for your presentation and discussing things that are important for us. You deserve a lot of credit for your advice based on principles and ethical values.

dariusmelquiadez
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Fortunately I got on Plan N from the beginning of my enrollment. My agent took the time to explain what Plan N was, and how it might affect me going forward. The premium seems to go up a small amount each year, but nothing like the amounts you are talking about. Is there any safeguard in my plan as to the premiums and rate hikes? I have no complaints about my current setup. I don't plan on changing. My wife is a medical biller, and through her talking about the hassles she has when dealing with these companies, I have come to despise Ins Cos. They don't really seem to care who they are screwing with their policies. Only the bottom line matters. Customers are a dime a dozen.

garygraham
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Thank you! BEST explanation I have heard.

annbradberry
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Just wanted you to let you know; I’m glad I found you because you’re a true blessing to those of us who need a person that is patient enough to explain all the various plan pros and cons. THANK YOU!

ricks
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Thank-you for being here. Your info has helped me so much.

carolcoleman
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Thank you for being honest!!! Bless you

lindabohl
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Chris, I have watched a handful of your videos - you are excellent! I will highly recommend you!

josephbauer
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Your videos provide invaluable information in navigating this crazy maze called Medicare. Thank you!

marleen
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Thanks for the information very educational .

kenterry