Should I Delay Medicare? Employer Plans vs. Medicare Coverage

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[mhmroofingandconstructioni]

Thank you Stephanie for the informative videos. I'm turning 65 in May of 2022 I have signed up for Part A but not Part B as I'm planning to work till age 66 and 6 months. I'm currently on an employer health plan and pay less than 170.00 per month. I also am a veteran and I use the VA health care system. Any advice as to whether I'm doing the right thing.

[WayfaringStranger]

Just shared with family members that recently turned/will turn 65 for an easy to understand breakdown for decision making on whether to delay signing up. You covered all the bases in under 15 minutes- Fantastic! Thanks Stephanie.

[biggfoot]

This is exactly my predictament, in the next year (4 months before employer new enrollment), (7 months before I reach 65)

[maryoverton]

Thank you so much! Hubby on SSD and I'm still working (I'm 61). He is covered under my employer insurance. This is an excellent and succinct with no b.s.! Thanks again. I'll be doing some comparisons for sure

[garycooper]

Thanks for the information and the help making these decisions it can get very confusing during this transition.
Has there been any changes in the donut hole for 2022?

[richardhaynes]

Very informative video. I am 66 wife still working and has about another 8-9 years to go yet. I have been on her employer's health plan she works for a large corporation that has well over 20 employees. I go back and forth on the issue whether I should go onto part B or stay with her plan. Yes complicates process deciding this. Too many working parts in the US health care system.

[mikedavis]

I love the way you explain such a complicated subject. You slowly and throughly explain to understand it so well.Do you have a Extension?

[usinebob]

This was a very honest and informative video. Thanks so very much for the info

[myub]

Awesome job Stephanie. Comprehensive and accurate, I've been a broker for 20 years.

[jacksilver]

I’m guilty of skipping about in the video but…sometimes when Employer health costs more than Medicare, staying with the employer plan makes sense if it covers not only you but a spouse and or a dependent under age 26.

[sandyjohnson]

Another issue one needs to keep in mind is the provider network. Most providers do accept Medicare, however, Part C will have a provider network and services would only be covered if that provider is in their network. They also, may have a huge, separate, out-of- pocket deductible and co-insurance on out of network providers. So, if you plan on traveling, a traditional Medicare supplement maybe be a better choice, as they tend to have larger provider networks in other states. (i.e. AARP thru UHC). When someone selects a Med Advantage product, make sure your providers are in that Med Advantage network that you elect. Having to change to new providers is a game changer for most people.

[phyllisnunn]

Thanks for your help, especially Heather (via email)! These videos are great. Also, whoever restyled your lighting and camera angle, etc., from the pre-2022 setup, - awesome job!

[aliciahanifin]

These videos are amazing! Thanks for sharing, from one broker to another. Can I ask you, are you reading off of a script and if so did you place a monitor in front of you?

[chezgarage]

Thank you for sharing. Keep up the good work.

[nonglouie]

I can't thank you enough for your channel and the information you provide. May I ask again in light of any changes in Medicare in 2022: To confirm. I am still working and plan to continue to work until my wife and I collect social security at 100% which is 66 years and 6 mths for her and 8 months for me. In fact I may work until nearly 70 years old due to the current market trend. I actively cover health insurance for my spouse through my global company employer. This year my wife turns 65 before I do. In July I plan to enroll her in Medicare Part A ONLY, 3 months prior her turning 65 to avoid penalty AND delay her enrollment into Part B / Medigap / Part D until I retire from my employer and not during my IEP. When ready to retire I will gather evidence of having health insurance coverage via my employer when applying for Part B for us both during the SEP period with forms CMS-40B and CMS-L564. Wheww... Is that right? Many thanks

[Bob-dicz]

Thank you. You were extremely helpful.

[AbtInsuranceAgency]

Please - give me all of your feedback and constructive criticism! What topic should I cover next?

[-myal-]

I have been hearing horrific stories about how many Advantage plans have refused to cover their patients' medical issues. However, many Americans cannot afford the cost of Plan B and a supplemental, and a drug plan.

[impish]

Will you be covering the DCE pilot program for Medicare? A couple of the other channels are covering this issue and it sounds concerning

[stephenstone]

Thank you for such informative videos. Are you and your team licensed in Arizona? Just curious for future reference.