5 Reasons Marvin Picked a Supplemental Plan G

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Marvin has spent years helping people understand Medicare, compare their options, and avoid costly mistakes.

So when it came time to choose his own coverage, why did he pick a Supplemental Plan G?

On today’s Medicare Daily Show, we’re talking through the reasons behind his decision, what stood out to him, and what others can learn from the way he approached it.

And as always, we’ll be taking your calls live after we discuss today’s topic.

Transcript

SPEAKER_05 0:03

There are five reasons. My dad, when he started Medicare, picked out a Medicare supplement plan G. And you are going to learn all of those five reasons today. Welcome to Medicare School Daily. My name is Josh Music. I'm here with my dad, Marvin Music. And whether you're just starting Medicare, you're just starting Social Security, you're just retiring, and you have questions, this is the place for you to call in and get all of those questions answered. In just a moment, you're gonna learn these five reasons that my dad Marvin picked out, a Medicare supplement plan. But if you have a question, if you have a comment, if you have a story that you feel like would be helpful and will help the thousands of other people that listen to this, we encourage you to call in. You can get your question answered or share your story by calling 833-824-2004, 833-824-2004, Monday to Thursday, 11 a.m. to noon Central Time. So don't let your questions go unanswered and don't make a Medicare or Social Security or retirement mistake. Call in and make your move to Medicare with ease and confidence. So, Dad, these five reasons, what are they?

SPEAKER_00 1:09

Okay, well, the first one is because uh I didn't want to have any hassles. I truly wanted something that was Are these all gonna be H's? No, no, I did not alliterate these at all.

SPEAKER_05 1:24

Okay, so no hassles.

SPEAKER_00 1:25

No hassles. Well, I wanted something that was simple, that I did not have to be thinking about all the time, be concerned about different things happening. Uh one of the biggest hassles that people encounter uh is if they have a plan that's only annual, they've got to change it every year. They they they don't have a plan that's guaranteed to be there the next year. In fact, they may lose that coverage. So really the only thing I have with my plan is I have to make sure that I am on the right drug plan on an annual basis. Which kind of makes sense, right?

SPEAKER_05 1:50

Like your medications, because drug plans are dependent on the formulary, and a formulary is a list of medications that that plan covers, and that will change likely over time. I mean, hopefully, you know, it's there's not many changes, but that can change. And so that almost makes a little bit sense that you would change your drug plan more frequently. But changing your Medicare plan. Yeah. Yeah.

SPEAKER_00 2:12

My A, B, and G is uh lifetime. I also pay my premiums. So that's number one.

SPEAKER_05 2:18

Get your staples easy button and put G on it. That's right.

SPEAKER_00 2:22

Okay.

SPEAKER_05 2:22

That's the Okay. No hassles.

SPEAKER_00 2:24

The other one is because I did not want uh the insurance company to have the ability to interfere with anything uh at all. I I wanted my doctor, Medicare of course has some rules, but I wanted the doctor uh to make uh all the decisions, not an insurance company. Uh and so uh people that decide they're gonna go on the advantage plan, they don't have to pay a premium, but uh their doctor uh uh is gonna decide things. And um, I mean the doctor, let me say that differently, the doctor doesn't make the final decision. Sure, yeah. Yeah. Uh the insurance company has the ability to decide some things uh because uh preauthorizations, uh just a reality with advantage plans and with my supplemental plan, that insurance company never will impose a preauthorization. I don't have to have the insurance company's permission to do anything. Uh if I would say someone claims. Yeah. Uh so no, they're they're gonna follow Medicare and nor any anything the doctor says I need, or Medicare says I'll cover the insurance company cannot interfere, they can't delay, deny. Uh so that was important to me. I just did again, it's kind of all this falls underneath the umbrella of hassles, but uh definitely I wanted to make sure that the doctor makes a decision out the insurance company. Uh that uh was important to me. Number three uh was I I did want a plan that I never had to worry about losing.

unknown 3:39

Okay.

SPEAKER_05 3:40

What do you mean losing?

SPEAKER_00 3:41

Losing the coverage, meaning it's permanent. Oh, so all supplemental plans.

SPEAKER_05 3:45

Last year, two and a half million people lost their Medicare Advantage plan. They did? Yeah. Some of them didn't even know it. You know, you miss that piece of mail, and all of a sudden it's January 15th, and you're like trying to go to the doctor and your plan doesn't work. Right. Crazy. Yeah.

SPEAKER_00 3:58

So my plan's permanent, all supplemental plans are permanent. As long as I pay my premium, it can never be canceled by the insurance company, you know, unlike an advantage plan. It's also uh a plan that this is still reason number three, but it not only is it permanent, but it's portable. So if I move away, I have no intention of doing that. Um almost all my children are in this area and grandchildren, but if I decide I'm gonna move to C Joe in Tampa, uh then I can take my submetal plan with me. Aaron Ross Powell, Jr.

SPEAKER_05 4:22

You don't have to change it.

SPEAKER_00 4:22

Exactly right. And it's also the the beauty uh of a submetal plan is that if my health were to change, I don't lose it either. I don't have to be concerned about that.

SPEAKER_05 4:30

So you know Yeah, it's not like car insurance where they just drop you.

SPEAKER_00 4:34

Yeah, that's right.

SPEAKER_05 4:34

Or kick you off or raise your premium because you cost them a lot of money. Right. My car insurance has done that. Yeah. I'm not shocked by that. Yeah. Homeowner or uh but uh Medicare settlement planes can't do that. That's a pretty common question. Like, what happens if I if I cost a lot of money? Can they single me out for a rate increase?

SPEAKER_00 4:53

No.

SPEAKER_05 4:54

They can't.

SPEAKER_00 4:54

No, they can't and they won't. You may have a rate increase, but it's a group increase. Yeah. It's not gonna be because of any claims for you whatsoever.

SPEAKER_05 5:00

So back to portable. So if you have a Medicare Advantage plan, you move across the country, what happens?

SPEAKER_00 5:05

Well, you're you won't take it with you. In fact, you move across the state, you're probably gonna take it with you uh because uh uh those plans change. Um there are several different plans in our state. In fact, uh we of course we're in Kansas City, we just moved to St. Louis. You're not gonna take your advantage plan with you. You could take yourself a middle plant with you, but not advantage. And so uh again, uh it kind of falls under the umbrella of hassles, but I wanted that. Uh uh, you know, permanent portable plan. And then number number four, Josh, and this is real important because we traveling.

SPEAKER_05 5:33

I meant no hassles, no interference, no losing your plan. It's gonna be canceled. It's a hundred percent portable. Yes, it is. What's okay? So this is number five?

SPEAKER_00 5:41

Yeah, this is actually I put impermanent and portable together, but uh that'd be fine.

SPEAKER_05 5:45

Okay.

SPEAKER_00 5:45

Uh and then when I travel, I did not want to have to be concerned about anything. Uh how does that work?

SPEAKER_05 5:51

Well, Medicare doesn't work outside the country.

SPEAKER_00 5:53

Well, I'm talking about yeah, I mean within the country. Oh, yeah. So you travel around. Uh if something were to happen, uh we're gonna go to uh uh Colorado in August. If something happened, I don't have to worry about it. Uh because anywhere I go in the U.S., I pull out my Medicare A and B card and my supplemental card. Everyone knows how that system works. They're not gonna worry about it all. I'm gonna go fans or buff, no questions, nothing I'm gonna get Cadillac coverage anywhere.

SPEAKER_05 6:16

Trevor Burrus, Jr. Whereas in if you were on a Medicare Advantage plan, are you actually going to August in Colorado? Oh wow. Yeah just for a few times. Okay. So so uh you're also going to India, too, right? But in coming weeks. It isn't gonna work there. Trevor Burrus, Jr.

SPEAKER_00 6:27

No, it's not. No. Well, I would have. I've got I got fifty thousand dollars worth of uh foreign travel emergency benefit if something happened. Okay. I could have some. How does that work? Uh it works with uh they have a claim, you have a deductible of $250, and then the balance is split 80-20. Insurance company pays eighty percent, I am responsible for twenty percent, and then their eighty percent, though, stops at fifty thousand. It's a lifetime benefit.

SPEAKER_05 6:49

But Medicare A and B doesn't have to cover anything in the Medicare supplement. Exactly right. But you still I mean, I'm assuming you have to pull out your credit card or whatever and pay for whatever happens there, right?

SPEAKER_00 6:59

Aaron Powell more than likely.

SPEAKER_05 7:00

Yeah. Do you submit those claims to the insurance company, then they sort them out.

SPEAKER_00 7:04

Hey, let me tell you an interesting story about that. You know, I was in uh uh Germany when my retina detached. Yeah. I went to an emergency room. Um and so uh we But you were were you on Medicare? No, we're not on Medicare yet. But what was interesting, we we did we did get a bill and we tried like crazy to pay it. We were just in Germany again, actually went to the hospital to try to pay the bill, and uh they had a holiday that day and we couldn't pay it again. How much was the bill for? Uh uh about $120. Oh, so but I don't know what it is in German. Uh it was very cheap, but we want to pay the bill. But it it's very interesting. Of course, they have socialized medicine there. Yeah.

SPEAKER_05 7:38

So, anyways, that's so $120 bill you tried to pay. So if somebody from Germany wants to pay for the bigger thing, we want to have a good clear copy. You're not running from your debts. That's okay.

SPEAKER_00 7:46

And then really number five, and I think this is also important. I really did want the most comprehensive available uh you know, plan available, most comprehensive planet.

SPEAKER_05 7:56

If you would have if you could have got a plan F, you had a gotten a plan. Probably would have.

SPEAKER_00 7:59

No, that probably not. No, I wouldn't have. But I'm one of the most comprehensive and and and I can afford it. It it fits my budget.

SPEAKER_05 8:07

So I feel like most of these are reasons to get a supplemental plan. Right. Right? No hassles, no interference by the insurance care, no losing the coverage, it's 100% portable. Travel anywhere in the USA. That's going to work. Doesn't matter if you have a plan F, plan G, or plan N. At all. Most comprehensive is why you got a plan G. That's right. Actually, versus a plan N.

SPEAKER_00 8:26

Yeah, versus an N. But again, in Missouri, uh the the difference, Josh, between G and N was like $30, maybe $35. So I thought, okay, you know, it's pretty simple. That's not a you know a big uh difference. So I went with that. Now there are some states we serve that's fifty dollars, seventy-five, a hundred dollars a month difference. So that could that could be different.

SPEAKER_05 8:45

Well and if you're a couple, like uh we look I think we looked at somebody yesterday, there was like a hundred dollars difference per person, right? No, no, it was it was about fifty. Yeah. So twelve twelve is six hundred times two people is twelve hundred dollars a month. Right. And or twelve hundred dollars a year. So if you do the math on that, let's say, you know, you how many times do you have to go to the doctor? A lot to make up a twenty dollar copay. So it does, it does, it does plan N is good. Yeah. So I think I'm not sure. The most comprehensive, of course, is going to be your plan G.

SPEAKER_00 9:14

Okay. So those are the reasons, and I've had to use it, of course. Uh no, and of course, the detached retina happened before I went to Medicare, but I was still getting uh treatment afterwards. So had that, been to chiropractor a couple times, uh follow-up from the IVISC. You met your deductible. Oh yeah, medical.

SPEAKER_05 9:30

100% coverage. Uh-huh.

SPEAKER_00 9:31

I do.

SPEAKER_05 9:31

Um Can you get anything else done? Uh well, I still need to get my welcome to Medicare physical. You need to do your welcome to Medicare physical so we can talk about it. I'll try to do that before my year's up. Gotta do it soon. Get it scheduled. Because it's probably hardly anything, but I would like to know. Okay, I'll do that. And then we'll do an episode on it. I'll commit to it. We can we can understand what it is. All right. Well, enough about me. Okay. I mean, I like to talk about you. Better talking about me. Okay, let's talk to John in Florida. John, welcome to Medicare School Daily. What questions do you have for us?

SPEAKER_02 10:04

Hi, good afternoon. Thank you for taking the call. Uh, I have a question about Irma. Okay. My uh my wife and I uh retired. I retired uh the end of last year. We left California, sold a house, moved into Florida, and sold a house back there for a lot more than I had back over here. Okay. And so uh I know it's there's some kind of two-year look back thing for Irma. And so I imagine next year my rates may change, and I want to I want to go look on my tax forms. How do I do that? How do I find out if I need to fill out that um exemption? IRMA appeal requests.

SPEAKER_00 10:46

Yes.

SPEAKER_02 10:46

Yes.

SPEAKER_00 10:47

Okay, well, uh just because you sold a home, uh, that is not a life-changing event that would allow you, John, to appeal your IRMA. Okay, so that's not a that's not an appealable event. But here's the way it works. Uh anything that you made above $500,000 profit on your home when you sold it in California, uh, that is going to be a capital gain that's gonna be reported as income. So again, if you you know if you made a million dollars or a half million, whatever you made, anything above $500,000 is subject to taxes. Therefore, that will be on your $1040. But if your profit was below $500,000, then that was excluded. You you that that's not counted as income, so that would not be held against you for ERM purposes.

SPEAKER_02 11:27

Yours is full of good news.

SPEAKER_00 11:28

Yeah. Well, hey, I'm I'm glad I could deliver that to you. I'm glad it's not another way. Uh all right.

SPEAKER_02 11:34

My wife and I both have our insurance for you guys. We appreciate everything greatly. Thank you very much. Well, thanks for letting us serve.

SPEAKER_05 11:41

Do you mind if I ask who you worked with?

SPEAKER_02 11:44

I worked with you actually online. Okay, I worked with you actually.

SPEAKER_05 11:48

I was my brother Josiah. Yeah. Was it Josiah? Josiah. Yeah, that's that's our my little brother. That's right. Marvin's son. Yeah.

SPEAKER_02 11:56

I was on hold and he the young man picked up the phone and said, Hey, I'm sorry you're on hold. I'm helping you. There we are.

SPEAKER_00 12:01

That's great. All right, John. Well, thanks for the call today, and thanks for letting us serve as your broker. We appreciate it, sir.

SPEAKER_02 12:07

Thank you, gentlemen. Be careful. Take care. Bye.

SPEAKER_05 12:11

Okay, let's talk to Joel in Indiana. Joel, welcome to Medicare School Daily. What's your question?

SPEAKER_01 12:17

Thank you. I appreciate being having the show. Yeah, yes, sir. What's up? Okay, well, I've got a quick question for you. My domestic partner is currently on the healthy Indiana plan. All right. The the the hip insurance in Indiana. Now, my understanding is well, she's getting ready to retire in February of next year. Now, this I was told that she can stay on the hip plan, but she'd have to uh uh opt out of Medicare. Is that right?

SPEAKER_05 12:50

Is is hip uh is that Medicaid?

SPEAKER_01 12:53

Yes. Uh that's my understanding. Well, yeah, it's it's uh you know I don't know who truthfully I don't know who exactly ministers. Well, Joe Indiana plan.

SPEAKER_00 13:02

Is that what is Johnson? Okay, Joel, is sh is sh is she low income?

SPEAKER_01 13:07

Yes.

SPEAKER_00 13:08

Okay, well then it it could it could be Medicaid for sure. So that's that sounds good. So uh what happens in those situations, and you can ask your other questions, but um uh if uh someone is going to be eligible for Medicare, uh they can still be on Medicaid, but they can't opt out of Medicare. They have to actually uh be on Medicare and Medicaid. I'm not sure if that if we're on Indiana Medicare.

SPEAKER_01 13:30

Okay, so we'll get a plan then it would that qualify for an S. But what is that the S the S plan to get the A.

SPEAKER_00 13:38

Okay, but I want to make sure. So let me just read what it says. You're currently on the Healthy Indiana plan and returning 65 or becoming eligible for Medicare, you will lose your HIPAA eligibility because the two programs are a mutually exclusive. You cannot use HIP to supplement Medicare. So upon transitioning, you will need to apply for Medicare. To bridge the gap, you may qualify for a Medicare savings program uh through the State of Indiana, which helps cover Medicare premiums, which is also just normal Medicaid.

SPEAKER_05 14:05

Yes, okay, so let we want to hip ends. Yeah, so that's for under sixty five.

SPEAKER_00 14:10

Yeah, hip is going to end. Josh is right, it's for those that are under sixty-five. So yeah, I I'm assuming she is not working or can't be there's no work plan available for her at all with that.

SPEAKER_01 14:20

Well, she she does work part-time, but she can only work like three hours a day. She's had some uh mental health issues. Sure. So that's the reason she don't only make you know a small amount. Okay.

SPEAKER_00 14:34

Is she receiving disability right now or any kind of social security?

SPEAKER_01 14:38

She applied for disability, but it it didn't go for it.

SPEAKER_00 14:41

Okay, okay. Is she is she taking her own Social Security at all or just nothing right now for social media?

SPEAKER_01 14:47

No, not not yet.

SPEAKER_00 14:48

Okay, is she planning to take Social Security soon or is it gonna keep delaying for a while?

SPEAKER_01 14:53

Uh she'll be taking Social Security when she turns 65.

SPEAKER_00 14:56

Okay, she is. Okay, okay. So here's what's gonna happen. Let me let me just give me just one second. I just want to write this out so I can take exactly what she needs to do. Okay. Um So she act she's if she's gonna apply for Social Security and Medicare at the same time, she can do this uh right after October the first. And Joel, but we actually can hold her hand through the whole process. We really can, happy to do it. Well, I'd appreciate that. Yeah, but anyway.

SPEAKER_01 15:21

And I'd use you guys for my retirement.

SPEAKER_00 15:23

Okay, good. So uh after after October one, she's eligible then to apply for Social Security and Medicare. Um and then of course, you know, she can decide when she wants her Social Security to start. But point is anytime after October one, and the good thing about her situation is um uh if she waits till about the 15th of October, we'll for sure know uh all the plans that will be available for 2027. So though she can apply after 10-1, I'd I'd still wait till about mid month or so, and that way all the new plans will be out. Uh and so what will happen at that time is we can discuss with her her different options. If if her income is tight, uh she may want to select um a uh uh Medicare Advantage plan. If she has a few extra dollars and would like to get a supplemental plan, then we'll talk to her about those options as well. Um so what do you what are you on, Joel? Are you on Medicare Advanced?

SPEAKER_01 16:15

I'm truly sir, I'm on a Medicare Advantage plan. Okay, good. Well good.

SPEAKER_00 16:18

It's worked for you. It works for lots of people, so that may be her best option as well.

SPEAKER_01 16:22

I mean, you know, I really I have I know it's a it's a it's a gamble. I mean, you know, it but uh you know I've not had any problems with it at all. And I've had a couple of medical issues. There are you do pay a little bit more. I I mean, you know, you pay for like some for MRI or tests and stuff, but you know, it's not luckily I happen to have a uh HSA account, so you can dip into that cover.

SPEAKER_00 16:47

Okay, that sounds good. Well, also, Joe, the real gamble is when people have nothing but A and B. That's the real gamble. So uh, it works works for a lot of people, so that that's good. So uh we could go over all those options with her, because we have to know her docs and meds and all those kind of things, but we'd be happy uh to help her with that. So that's what she needs to do. Now listen, one more thing. Uh if she would like to reapply for uh Medicaid in the State of Indiana, she may she may get approved for that. Now, what how what how that would have an effect upon her is then there would be some additional Medicare Advantage Plan options for her. Uh we call those um uh uh dual plans, dual, dual eligibility.

SPEAKER_01 17:27

That's uh I could remember that word.

SPEAKER_00 17:29

Yeah, that it's the dual. Uh and that would mean Medicare, Medicare Advantage Plan. So if she decides she wants to do that, then I would encourage her to do that. Uh that would just open up a few more doors for her possibilities for her advantage plan. And again, we can give some assistance and some direction uh for that as well. Sure. Okay? Absolutely. Okay, Joe, yeah, we'd be happy to help you with that.

SPEAKER_01 17:49

We'll make sure and do it when it gets closer to time. Okay. Take care.

SPEAKER_00 17:53

Stay in touch. Thank you, sir.

SPEAKER_05 17:56

Let's talk to Mark in Georgia. Mark, welcome to Medicare School Daily. Understand you have some Medicare and Social Security questions.

SPEAKER_03 18:05

Yeah, it's just a social security question.

SPEAKER_05 18:08

Okay, we're ready for you.

SPEAKER_03 18:10

Yeah, and how are you today? Um I I was totally under the impression that once you start collecting um unemployment, I'm sorry, social security, that um you can stop it. Like if you start collecting it within six months of pass, you can stop it. And then um you would have to pay all the money back if you wanted to stop it, and then reset it to what you should be getting when you turn 67. Um pay the money back.

SPEAKER_00 18:47

Yeah, you actually have 12 months unless they've changed that. So you have 12 months from when you actually start Social Security to return all the money back to them. So, Mark, if you don't mind my asking, wh why why are you doing that?

SPEAKER_03 18:59

I was laid off in um December of 2025, so I'm currently looking for a job. Sure. But um because we're so far into the year, I hate giving myself a time that if I didn't find a job, then I would start collecting um. Sure.

SPEAKER_00 19:15

So you're just setting the money aside. If you get a new job, you're gonna just pay it back. Okay, I got it. Yeah, just be sure it's done within the 12 months, it will have no impact uh negatively upon you whatsoever, sir. Yeah. So and I I do hope you get a job. What kind what kind of business are you in, sir?

SPEAKER_03 19:31

Um accounting, payroll accounting.

SPEAKER_00 19:33

Okay, all right. Yeah. I hope you're able to find something that you like, um, for sure. But uh yeah, your plan is right. Whoever told you that's true. You you had mentioned six months is actually twelve, but other than that, uh I understand your plan and don't blame you.

SPEAKER_05 19:46

Do you know that uh before December 2010 there was no like 12 month limit? And so there were actually people who would take the they would take their social security check, they would invest it like for years, like seven years or whatever it is. So between 60, I guess it'd be eight years, between 62 and and uh 70 when your max benefit is, they would take those eight years of benefits, they would invest it, and then they would pay it all back. So they'd have all their interest, they'd pay it all back, keep the profit, and then restart their social security check. That's crazy.

SPEAKER_00 20:18

Yeah. And that's why they s started doing the 12 uh months when they realized.

SPEAKER_05 20:22

Because it was like an interest-free loan from the government for eight years.

SPEAKER_00 20:25

They stopped. Oh yeah, yeah, it did. It used to be unlimited. I didn't know the date, Josh 2010. Yeah. So but we did, we did. Yeah, we knew people did it. But all right, Mark, anything else on your on your mind we can answer today, sir?

SPEAKER_03 20:38

Oh, no, that's it. Okay.

SPEAKER_00 20:40

All right, sounds good. Well, when you're you're getting ready to uh go on Medicare, give us a call. We'll we'll help you in any way you need. Okay.

SPEAKER_03 20:47

Take care.

SPEAKER_00 20:48

Bye-bye. You take care, sir. Bye-bye.

SPEAKER_05 20:51

Okay, let's talk to Mary in Indiana. Hi, Mary.

SPEAKER_04 20:54

Hi, this is Mary.

SPEAKER_05 20:55

Hi there. Welcome to Medicare School Daily. Understand you have an advantage plan with Anthem and got some questions about moving back and forth between Indiana and wintering in Florida. Yes. Okay. Well, so what's what's going on? What's the specific question?

SPEAKER_04 21:11

All right. Well, um is it possible to obtain something temporary that were that would cover us while we are in Florida? And I guess the second part of the question would be how do we proceed when we know we're going to move there?

SPEAKER_05 21:31

Sure. So let's answer the second part first because that's pretty easy. Uh if you know you're going to move there, uh you will do uh you'll you'll just choose a plan that's available there, right? Because there's uh I think there's 35 service areas or something, and I can assure you, Indiana and Florida are not in the same service area. So you will need to get a plan, uh plan that uh is there locally in that market. You know, we can help you. There's other companies, but we can help you sort that out when you do that.

SPEAKER_00 21:58

Yeah, you have to have a move date. So you can do it 30 days before you move and 60 days after you move. I would suggest around the move date. But you have to have a move date to be for us to make that switch for you. Uh when do you think about moving, Mary? Yeah, what do you what are you thinking? A couple months, uh next year? Uh do you have any idea yet?

SPEAKER_04 22:17

Um the earliest would would be um fall, possibly, but I think we'd have to get an awful lot done before that.

SPEAKER_05 22:27

Well I'd recommend doing it before December, before it gets cold again.

SPEAKER_04 22:31

Yeah. I think 27 is probably more likely that we would actually move. So we could be there the winter of twenty-seven and we want coverage while we're there.

SPEAKER_00 22:42

Okay. Okay. Uh so you're saying let me let me maybe I'm misunderstanding. Uh I was just wondering, are you saying that you're you're gonna you're gonna go there? You said twenty-seven. Do you mean winter of twenty-six into twenty-seven? Later later this year.

SPEAKER_04 22:58

Yes. Well, no, twenty-seven, January through March, probably.

SPEAKER_00 23:02

Okay, and then you'd go back to Indiana after that.

SPEAKER_05 23:04

Is that what you mean? So like temporarily just uh you know escape the winter.

SPEAKER_00 23:07

Right. Yeah. Okay. So here's what happens. You actually in in most plans, and you can call Anthem, and if you're our client, we're happy to, you know, do this for you, but uh we'd have to you'd have to be on the phone with us. But you can call Anthem and and find out if they allow you to temporarily be somewhere else and still be covered. Uh some companies do allow that. Uh you know, there's 4,000 advantage plans in the country today, so I can't speak for the one that you're on, but you can call them and say we're uh uh considering you know being out of our area for three months, do you all have some kind of a special way for us to uh have coverage on that plan? Um uh and and and again I know some companies do for sure.

SPEAKER_05 23:43

Are you on a PPO or an HMO? Do you think that's a good one? Okay, okay, because that that it could change a little bit, right? Yeah. Hey Mary, do you how would I know? Uh you can look on your card, probably. Yeah, if you tell us what you would say. Are you a customer of ours? Medicare school? No. Okay, okay. I was gonna say we could try to look you up, but if not, yeah, pull out your anthem card and see what it says.

SPEAKER_00 24:09

All right. And then also, Mary, let me ask you this. Um while you're out out uh you know you're in Florida during those three months, do you just see that you want to make sure that if something happened with an emergency, you're gonna be covered, or you you may want to just see a regular primary care doctor to do a checkup or something? Or what what do you what are you what would be your concern?

SPEAKER_04 24:29

Um I guess both. And and the reason I say that is because we were there last winter and we did both have a need. Okay, um, but we weren't anticipating it, so we ended up paying out of pocket.

SPEAKER_05 24:42

Okay. Oh yeah. Were you on that anthem plan?

SPEAKER_04 24:48

Um Yes. Oh, yeah. And did you give them a card?

SPEAKER_05 24:53

Yeah, go ahead.

SPEAKER_04 24:55

I'm sorry. No, no, no, no. HMO POS.

SPEAKER_05 24:59

Yeah, so you're on HMO plan. So typically they're going to restrict um out-of-network coverage where they'll cover you to true emergencies. Um POS. Kind of think like life a limb, life or limb sort of things. Plus you paid out of pocket, though.

SPEAKER_00 25:15

Yeah, no, why not? Yeah. Yeah. So uh and unfortunately, right now, Mary, you're you're not gonna be able to switch your advantage plan to get on a plan that's gonna take care of you then. But but here's the thing. You know you're gonna be there in January. So what I would do if I were you is as we approach the the Medicare open enrollment season here, you know, which begins October 15th, uh let's let's if you want to work with us, we'd be delighted to serve as your broker, and then we can we can bring that in the into the equation to make sure we know that you'll be on a plan that will allow you to PPO. Yeah, we have there's there's plenty of people that are snowbirds that you know are going to winter in Florida, they're gonna winter in Arizona or Texas, and so there's plans that will allow that to happen. It didn't sound like you're on a plan like that, but we could find one of those.

SPEAKER_04 25:57

Yeah.

SPEAKER_00 25:57

And then when you do make your permanent move, then you again you can make an you can make another switch. So that still would be an Indiana-based plan because we have to use your you know your Indiana address. But once we have an address in Florida, whenever that is, six months, nine months, it doesn't matter, then we can find another plan for you there. Trevor Burrus, Jr.

SPEAKER_05 26:14

Yeah. Here's what I might say is like HMO plans like what you have right now are generally a little more benefit rich. Okay, it's a little bit just just a little bit of a better plan. You do have to stay in the network. So maybe there's a play here where you get on a PPO plan for the first quarter or first half of next year. Once you've completed your move, you can go and we'll shop what is the best plan available there in Florida. Right.

SPEAKER_00 26:37

So that's how it handled it. Okay. So yeah, let us help you with that. Let's get a plan that would uh allow you then to get just normal primary care doc type type coverage.

SPEAKER_05 26:47

And when you go out of when you go out of network, even on a PPO plan, it is not the same as staying in network, right? You generally have a little higher cost sharing, but at least you can do it. Yeah, but we can check her network we can check that. So there are some national networks. So yeah. Okay, all right. Take care. Mary, appreciate the call. Nice to do that. Do you have our do you have our office number?

SPEAKER_04 27:07

Pardon me?

SPEAKER_05 27:08

Do you have our office number? I have our office number.

SPEAKER_04 27:10

I do not.

SPEAKER_05 27:11

Okay, let me give it to you.

SPEAKER_04 27:12

Unless it's the number that you call me.

SPEAKER_05 27:14

No, no, it's no eight hundred seven eight two six six seven six. Eight hundred seven eight two six six seven six. When you're gonna when you call in, you're gonna talk to someone who's been trained by my dad, they're gonna have access to all you know all these Medicare Advantage plans and can compare, look up your doctors, your medications, you know, where in the country you want to have coverage, um, and they'll find a plan that works for you for you know this kind of back and forth deal until you get into Florida.

SPEAKER_04 27:40

All right.

SPEAKER_05 27:41

Okay.

SPEAKER_04 27:41

All right. Take care.

SPEAKER_05 27:43

Bye-bye. Thank you, Mary.

SPEAKER_04 27:44

All right, thanks so much.

unknown 27:45

Bye.

SPEAKER_04 27:45

Bye-bye.

SPEAKER_05 27:47

If you need help, maybe comparing your Medicare options, maybe it's getting signed up for a supplement plan, comparing the prices between plan G with this carrier, plan G with this carrier, plan G with this carrier, maybe G versus N. Maybe it's Medicare Advantage Plan versus a supplement plan. What's going to work better for your budget? What doctors are covered by the plans that are in your area or how to get the best medication covered at the lowest cost? You have a free resource available to you, and that is by working with somebody on our team. You can call 800-782-6676, 800-782-6676. When you call in, you could ask to talk to someone right away if we have someone available, or you can schedule an appointment. With whoever you talk to, I want you to know that they have been trained by my dad, Marvin. Okay, we do not allow lazy people or dishonest people to work here. So you're gonna talk to someone who's been trained by my dad, and they're gonna walk you through all of your different options, whether that's advantage plans, supplemental plans, drug plans, dental insurance, whatever it is that you need in order to get your Medicare benefits set up. They will help you with Medicare A and B enrollment, Social Security enrollment. You can get assistance on Irma uh appeals, late enrollment penalties, applying for part B using the special enrollment period and the L564, all of these complicated government forms. And uh they're all trained on uh, you know, deadlines and penalties and how to avoid that. And the best part is you're not gonna have to pay anything. Our services are free to you. We certainly don't work for free, but when you call in and you purchase a plan through us, we will get paid a commission by the insurance company. But that person that you talk to, they're not gonna get paid more or less based upon what plan you choose. So there's not gonna be bias in their recommendations. That's very important to us, and it should be important to you. So encourage you to call, get assistance. It's free. We don't upcharge for the insurance or anything, a free resource for you, and you are assigned a dedicated client care manager for life. Someone you can call in when you have a billions issue, a claims issue, um, you move across the country and you got to change your insurance, or you move across town and you move out of a service area, you need a new drug plan, uh, whatever it is, you lose your ID cards, you have a dedicated client care manager, somebody you can call, specific phone number that can help you for life. The phone number is 800-782-6676, 800-782-6676. We would consider it an honor and a privilege to serve as your Medicare broker. When you start Medicare, uh, you're no doubt going to be bombarded by a lot of information, whether that's TV commercials telling you to call, uh mail, you know, stuff showing up in your mailbox telling you, hey, you need to book an appointment with this, that, or the other, or attend this Medicare workshop. Uh, or maybe you're you've even had the experience of somebody showing up on your doorstep saying, hey, happy birthday, which feels a little bit invasive, in my opinion. Yeah. But a lot of these, these advertisements are all designed to do one thing, and that's to get you to call and buy an insurance plan, right? Well, there are good brokers, there are good agents out there, and there are very bad ones out there as well. So tomorrow we're gonna be talking about how you can tell the difference between a good Medicare broker, somebody that can help you through the process, and a bad one, one who is out for themselves just to make a commission and you'll never hear from them again. So join us tomorrow. You're gonna learn how to find someone to work with that you can trust. And hopefully you can work with them for life.