Turning 65 on Medicare – Best Company for Medicare Supplements

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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?

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What is the difference between Plan F and Plan G?
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Turning 65 on Medicare – Best Company for Medicare Supplement

21 thoughts on “Turning 65 on Medicare – Best Company for Medicare Supplements

    • 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.

  1. Great information. I’ll be giving you a call as I’m retiring next year.
    Thanks for your time putting these clips together.

  2. 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

  3. 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?

  4. 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

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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?

    • 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.

    • 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.

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