Unbiased, Free Help: 1-800-729-9590
When turning 65 and joining Medicare, what is the best company to go with?
What does your agent do when you've signed up when you turned 65 and then you start to get rate increases?
See our testimonials here:
We are completely independent.and recommend only the plans that offer the best value.
What is the difference between Plan F and Plan G?
See here:
Turning 65 on Medicare – Best Company for Medicare Supplement
Hi I thought you cannot be turned down for supplemental Medicare
insurance…if so why the medical questions etc
When you are first coming on to Medicare it is guaranteed issue. There are
no health questions for you to answer. After that first six months, when
you want to change companies, you must get approved through their
underwriting.
Different companies have different health questions and have different
underwriting requirements. We’re an expert in every company’s requirements
to save the most money.
Great information. I’ll be giving you a call as I’m retiring next year.
Thanks for your time putting these clips together.
Chris,
Good job with the video! I am a Medicare Agent in Arizona and my blood
boils when clients come in paying $460 per couple at age 70 because their
agent disappeared! Companies I don’t like because of their early year
discounts are UHC, Mutual of Omaha and BCBS. Rates start out cheap, then
what they hope is that you will not be able to underwrite to a lower priced
company in the later years because of a health problem. By knowing the
companies that practice this, you can help a client from day 1 AND get
referrals! I didn’t think there were other agents like me, so, kudos to
you for offering this service and watching out for our clients. Thank you.
Dan
why does everyone always talk about plan f when plan g is a cheaper plan?
A number of years ago, I had to take a disability retirement. I was steered
by “one of those agents” to a Medicare Advantage Plan never knowing that I
would not be able to go to regular Medicare and a supplement until I
was 65. I am 64 now, and a year from now will be 65, and I am hoping to
change to a regular medicare plan with a supplement. What is involved with
that, and how do I make that switchover at 65?
thanks, I need to be educated on the health Insurance coverage.
Kendra.. can’t reply to your comment for some reason, but the answer is you
need BOTH Part A and Part B before you can have a Medicare Supplement. The
Part B covers 80% of the bills and the Medicare supplement (Plan G, etc.)
covers the other 20%. You must have A & B in order to purchase a Medicare
Supplement. Would be happy to shop all available plans and explain all –
call us at 1-800-729-9590. Thank you for writing. – Chris
Ok, you have a plan f for a year or two and decide to change to a plan g do
you have to meet underwriting requirements or does the insurer have to
accept you without any additional premium for any pre existing conditions?
+Bill Herman That is correct. As soon as you leave your Open Enrollment
period (6 months +1 day past turning 65, or 6 months after starting on Part
B for the first time, whichever comes later) you must go through
underwriting each and every time you wish to switch companies.
You remind me of my brother. He was a police officer who turned a part time
job into a second career also. I will call you when I retire but I am
hoping you can help with probably a simple question. I will be 65 in 7 mos
but I keep hearing about penalties if I don’t sign up so what are the ins
and outs of someone who will not retire way past 65. Can I skip the sign
up?
+john kustra If you maintain qualifying coverage though an employer plan,
then you do not need to sign up for Part B or a Medicare plan (drug plan or
Supplement). If, however, you choose to use your Medicare benefits, you can
sign up three months prior to your birth month. The benefits (Part B and a
supplement) can start on the first of the month that your birthday happens
in.
If you’d like to talk about it in detail, feel free to call me at
1-800-729-9590.
Wow, it just click. I have watched every YouTube upload and I must say that
I was so confused. My mom just retire at age 74 and several agents stated
that they do not talk to seniors over 70 and hung up the phone (for real)
they just hung up the phone. I am going to call your office back asap.
Thanks for telling the truth. Also I am a police officer.
+Rodney Fresh Awesome.. I look forward to helping where we can. – Chris
Hi Chris, Thanks for your videos. They are helping me compile some really
good questions to ask before I meet with my local SHIPP agent. 🙂 I am just
wondering, if I want to change plan levels within the SAME CARRIER during
the annual change window, will I still be subject to underwriting
requirements? Secondly, if the answer to this question is NO, I pose a
second question which I am sure will be relevant to many. I plan to move
from NJ to NC in just a couple of years and I am wondering if I will be
subject to underwriting requirements if I stay within the same parent
company but move from one state to another (for example if I were to switch
from HorizonBCBS in NJ to HorizonBCBS in NC.) Thank you very much.
+im2late If you would like my help, happy to give it. If you are already
working with someone (SHIPP which I don’t recommend), they can give you
their best guess based on their (volunteer) experience. I’m licensed in
both New Jersey and North Carolina and am an expert in the plans in both
(and 40 other states). Call us and let us do the work for you, it costs
nothing.
1-800-729-9590.
Christopher if someone is 86, I think they have blue cross blue shield, I
think.
Maybe it is plan F, I don’t know until I ask them. The only health issue I
know they may have is high cholesterol and maybe high blood pressure.
Can someone switch from plan F if they have it, to a G plan?
Yes, absolutely. It is easy to change.
Next time I see her I will ask her some questions.
Thank you sir. Of course old folks are set in their ways after all these
years, and any type of change is scary.
“Old Folks” deserve to have someone looking out for THEM and need to have
someone, independent, to shop their policy every year. We have seen savings
of $300 PER MONTH by doing so. If you’re an agent, see:
http://MedicareAgentTraining.com
I’m there right now listening. WOW, maybe an extra $300, whose blue cross
is always going up, wouldn’t that be great for and old senior lady on a
fixed income that is constantly getting ripped off by folks that prey on
the elderly.