🛑 NY TIMES Reveals Shocking Comparison in Medicare Plans

𝗡𝗲𝘄 𝘁𝗼 𝗣𝗮𝗿𝘁 𝗕 𝗼𝗳 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 (𝘁𝘂𝗿𝗻𝗶𝗻𝗴 𝟲𝟱 𝗼𝗿 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗹𝗮𝘁𝗲𝗿)?

𝗢𝗻 𝗮 𝗦𝘂𝗽𝗽𝗹𝗲𝗺𝗲𝗻𝘁 𝗼𝗿 𝗻𝗲𝗲𝗱 𝗼𝗻𝗲, 𝗯𝘂𝘁 𝗻𝗼𝘁 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗲𝗹𝗲𝗰𝘁𝗶𝗼𝗻 𝗽𝗲𝗿𝗶𝗼𝗱?

Chapters in the Video:
00:00 Introduction
00:35 Medicare Advantage Commission
02:15 Medicare Supplement Commission
03:05 Advantage Costs Going Up in 2024
05:40 Congress pressuring CMS on Prior Auth
09:34 Prior Authorization on Medicare Advantage
11:44 Prior Authorization Dangers
15:49 Which is better? Medicare Advantage or Medicare?
20:06 Which Medicare plan is best for Cancer?
23:54 Difference between Medicare and Medicare Advantage
30:47 How to contact Chris Westfall on Medicare

👍🏻 HELPFUL LINKS 👍🏻

𝗢𝗻 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗗𝘂𝗲 𝘁𝗼 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 - 𝗪𝗵𝗮𝘁 𝗣𝗹𝗮𝗻𝘀 𝗔𝗿𝗲 𝗔𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲?

𝙒𝙝𝙖𝙩 𝙞𝙨 𝙋𝙡𝙖𝙣 𝙉 𝙈𝙚𝙙𝙞𝙘𝙖𝙧𝙚 𝙎𝙪𝙥𝙥𝙡𝙚𝙢𝙚𝙣𝙩?

𝗛𝗼𝘄 𝗱𝗼 𝗜 𝘀𝗲𝗲 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗽𝗹𝗮𝗻𝘀?

𝐖𝐡𝐚𝐭 𝐬𝐡𝐨𝐮𝐥𝐝 𝐈 𝐛𝐞 𝐜𝐨𝐧𝐜𝐞𝐫𝐧𝐞𝐝 𝐚𝐛𝐨𝐮𝐭 𝐰𝐢𝐭𝐡 𝐀𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞 𝐩𝐥𝐚𝐧𝐬?

𝐂𝐡𝐫𝐢𝐬, 𝐇𝐨𝐰 𝐃𝐨 𝐘𝐨𝐮 𝐆𝐞𝐭 𝐏𝐚𝐢𝐝?

𝐓𝐡𝐞 𝐆𝐚𝐬𝐨𝐥𝐢𝐧𝐞 𝐑𝐞𝐛𝐚𝐭𝐞 𝐏𝐫𝐨𝐠𝐫𝐚𝐦 𝐂𝐡𝐫𝐢𝐬 𝐓𝐚𝐥𝐤𝐬 𝐀𝐛𝐨𝐮𝐭:

If you know anyone with a plan decision, please have them 𝗰𝗮𝗹𝗹 𝗺𝘆 𝗼𝗳𝗳𝗶𝗰𝗲.
1-800-729-9590
We can't help everyone, but we certainly try!

Thank you!
Christopher Westfall​

#medicare #medicaresupplement #medicareadvantage

The video is a detailed discussion by Christopher Westfall about the recent changes in Medicare and Medicare Advantage plans. Here are the key points:

1. **Agent Compensation**: Insurance agents focusing on Medicare Advantage plans are going to earn more in the upcoming year 2024. The rate of pay for someone new to a Medicare Advantage plan is increasing. For instance, in California and New Jersey, the rate for an agent is going up to $762 for getting someone to sign up for a Medicare Advantage plan. This is significantly higher than the commission on a Medicare Supplement Plan, which is about 20 to 22 percent.

2. **Medicare Advantage vs. Medicare Supplement**: Medicare Advantage plans are being pushed by many insurance agencies due to the higher commissions. However, these plans change every year and may reduce benefits over time. On the other hand, Medicare Supplement plans, which supplement original Medicare, do not change and do not require prior authorization or referrals. They also do not have a network restriction.

3. **Pressure on Medicare Advantage Benefits**: United Healthcare and Humana have indicated that the cost of delivering Medicare Advantage Care is increasing due to more people seeking elective surgeries post-pandemic. This could lead to pressure on benefits, meaning less benefits for the same amount of money from the U.S. government.

4. **Prior Authorization Issues**: Medicare Advantage plans require prior authorization for many procedures, drugs, or facilities. This can delay or deny medically necessary care and negatively impact patient outcomes. A group of congressmen and senators are trying to get CMS to implement parts of a bill to streamline prior authorization processes in Medicare Advantage.

5. **Access to High-Quality Hospitals**: A study found that traditional Medicare beneficiaries experienced fewer cost problems than Advantage beneficiaries if they had supplementary Medigap policies. Traditional Medicare also provides somewhat better access to high-quality hospitals and nursing homes.

6. **Consumer Feedback**: Some consumers have reported issues with Medicare Advantage plans, including denial of services, delays in care, and lack of clarity about options. Others have reported being forced to switch from traditional Medicare with a supplement to Medicare Advantage, leading to issues with accessing needed care.

7. **Recommendation**: Westfall recommends considering one's health needs, travel needs, and other considerations before choosing between Medicare Advantage and Medicare Supplement. He suggests that individuals should seek help from brokers who can provide independent advice.

[LifeBetweenTheDash]

📣 "Agents, we will pay you nearly 3x more if you screw your clients" Welcome to America‼️ 😖

[charlottetrades]

I’m a customer of Chris’s agency since 2020 and have Traditional Medicare with an N supplement plan. July 16 I was admitted to hospital after being seen in the Emergency Room unable to breath and was diagnosed with heart failure. I spent 5 days in ICU and was discharged on July 20th after having a thorough examination and effective medical intervention. Medicare never required any pre authorization and denied zero treatment my physician’s suggested and provided. Today, August 2nd I’m relieved to be feeling like my old self and have piece of mind knowing that Medicare has already paid my $61, 300 hospital bill and I have spent $50 for the Emergency Room deductible. Thank you Chris and my agent, Melanie for guiding me to the coverage I have.

[brendabaxter]

😊❤❤❤❤❤❤❤❤ Thanks for caring enough to tell the truth to seniors who have been lied to about their healthcare choices! You are my HERO! 👍🏆

[lindachick]

Thank you Chris for never giving up. . Traditional Medicare is the best.

[tinkerbell]

I love my regular Medicare & supplement. Thank you Christopher 😊

[AntManBee]

Well as usual you are trying to bring transparency to senior healthcare. It’s truly appreciated. The fact that they’ve increased the sign on for Medicare Advantage $$ is crazy. I’m a customer with SSN but it’s because Chris tells it like it is. Keep shedding light on Medicare Advantage which is prone to all kinds of issues.

[really]

Couldn't we just get rid of your industry plus much of the private insurance industry by simply having a single payer system?

[AltagraciaAndaverde]

Thank you again for doing what you & your agents do. THANK YOU, THANK YOU.

[threeftr]

New subscriber, so happy I found you. Oh my goodness! I have been binge watching your videos and I am just blown away. You are amazing!! The info you put out, I can see how much you want to really help and do good for people.
I have a friend who needs to sign up next year, and I was helping her get info. I am going to give her all of your info, and encourage her to make an appointment. I have been watching other "big youtubers", and I am just shocked at what they do now.
Wow! Bless you! Blessed is the one who has concern for helpless people!♥

[contrarymary]

13:21 even with regular Medicare and using part D there is still prior authorization needed to get the drug your doctor deems is needed. Very frustrating when treating certain kinds of arthritis with biological drugs.

[theeardrafter]

Thankyou Chris Always informing us old folk

[suemilkbone]

Another fun fact about Advantage plans, hospital systems and doctors who were initially in network at the beginning of the year, can opt out any time during the year leaving Advantage patients up a creek without a paddle.

[Judes]

Thanks so much for sharing and caring 🙏🏼

[rambisfan]

“For those of you in Rio Linda”. Nice Rush L quip Chris!!

[lindabohl]

Oh Chris your Heaven sent! ❤❤❤ blessings

[pqr]

Thank you for this information. When is the government going to wake up that MA is not an advantage to seniors?

[marysteelman]

I have just gotten out of the hospital and I can assure you that I think of you every day - when I pay $0 for very expensive treatments and $20 for office visits with my specialists. Not one single time have I been denied anything my doctors prescribe. I listened to you and understood. No pre-existing condition questions…no pre-authorization…no algorithms to try cheap medicines. My one friend who chose an “Advantage” plan is desperately trying to get authorization for each and every prescription and therapy - as she gets sicker and sicker. I have chosen wonderful doctors who are enthusiastic about helping me regain my health and fitness - doctors who are at the top of their specialties. Every day, I think of Christopher Westfall and include you in my prayers. Your advice has put the best medical care possible in my life and exactly when I needed it. I’m 67 years old and was relatively healthy until a sudden and severe illness knocked me down. Echocardiograms, pulmonary function tests, EKGs, cardiac PET stress tests, drugs that cost $3500 per injection, and a week in the hospital. I could’ve died waiting for all these if prior authorizations were required. (And I’m not exaggerating.) Thank you for your help and dedication to truth. You are making a *real* difference!

[vistamutual]

I appreciate the effort you put into creating informative videos like this Christopher. Good job!

[nealgardner]

Christopher : As usual a great instructive video THANK

[TheAngelin]

I did listen to your advice and I'm glad. its costs me less money per month and per year than an advance plan my job was offering me. now I go to the doctor and paid nothing. i only paid the deductibles under $300 a year,