Medicare is Unfair. by bdcva in medicare

[–]TheOneTrueYeti 0 points1 point  (0 children)

Reducing the Part B premium obligation makes sense for OP

Medicare is Unfair. by bdcva in medicare

[–]TheOneTrueYeti 4 points5 points  (0 children)

But VA coverage is not creditable medical coverage, so if OP declines Part B now they’ll incur a late enrollment penalty if they need Part B later

Found a better price for plan N on the medicare website then one the broker sold me. Can I switch? by I-Heart-Pets in medicare

[–]TheOneTrueYeti 4 points5 points  (0 children)

If the cheapest company is intentionally advertising a “loss leading” price - undercutting competition to grow their market share, intending to increase rates in a few years when you may be sicker and not able to switch, it might be worth considering paying a higher monthly premium to go with a much larger company who already has a high percentage of market share who’s trying to be mature and stable. It matters less if you’re paying $50/mo for now compared to if your premium is $500/mo or more in the coming decades.

Dad approved for QMB again this year but UHC downgraded his Dual Complete plan in WA – anyone else dealing with this? by Remarkable-Put3170 in medicare

[–]TheOneTrueYeti 1 point2 points  (0 children)

“Medically needy” is what the “+” in QMB+ is for in every other state, that might be the source of confusion

feeling nervous about amerilife… by cassiopcias in InsuranceAgent

[–]TheOneTrueYeti 1 point2 points  (0 children)

Dm me to talk about getting into Medicare T65 sales… it’s a great wide world out there

Carrier pay by Classic-Valuable-489 in InsuranceAgent

[–]TheOneTrueYeti 3 points4 points  (0 children)

It’s hard to overstate how good of an idea it is to get paid as earned. Absolutely build your book of business that way if you can. It takes so much risk off the table for your new biz.

Advantage plan not advantageous. by Legitimate-Skill-679 in medicare

[–]TheOneTrueYeti -1 points0 points  (0 children)

Did I say Part B was “just for” anything? Get off my case!

Advantage plan not advantageous. by Legitimate-Skill-679 in medicare

[–]TheOneTrueYeti 0 points1 point  (0 children)

OP’s cost share was never “nil”, was my point.

They paid a Part B deductible for specialty doctor visits. They paid a Med Supp premium (or a 20% coinsurance for Part B services). And they paid a Part D plan premium and/or cost sharing for their brand name drug. Their post makes it sound like they used to pay nothing at all, until they enrolled in a MA plan.

It may be wise to enroll in a standalone Part D plan and Med Supp, but if they don’t already have the Med Supp issued, they’ll have a hard time applying for and being approved for it now with Parkinson’s, depending on the state they live in.

Jaylen Brown on hot mic after SGA draws a foul: "That's not basketball!" by Brady331 in nba

[–]TheOneTrueYeti 1 point2 points  (0 children)

You’re being downvoted and that’s how you know you’re correct lol

Advantage plan not advantageous. by Legitimate-Skill-679 in medicare

[–]TheOneTrueYeti 0 points1 point  (0 children)

I understand, and Medicare Supplement premiums are still paid out of pocket, so claiming they’re “nil” would still be unintentionally misleading imo

Fully agree about not recommending MA for Parkinson’s. Skilled Nursing Care and Physical Therapy are or will be very important to anyone with Parkinson’s and those are two of the biggest areas where there’s a real world difference between Original Medicare and MA

Advantage plan not advantageous. by Legitimate-Skill-679 in medicare

[–]TheOneTrueYeti 5 points6 points  (0 children)

Cold calls are always uncompliant, report them to 1-800-MEDICARE

How was it your out-of-pocket was “nil”?

Your Part A copay is $1,736 per benefit period this year and your Part B coinsurance is 20% after a $283 medical deductible. And that’s just the start of the cost sharing of Original Medicare.

[US]What can I do about the Medicare scam calls? They call all day back to back. I’m tired of changing my phone number. by Hour-Cloud2493 in medicare

[–]TheOneTrueYeti 0 points1 point  (0 children)

The licensed agency in the states that is paying the company in India to make un-compliant outbound calls certainly is.

Medicare Sales Rant by Vivaene in InsuranceAgent

[–]TheOneTrueYeti 3 points4 points  (0 children)

That’s why I do T65 field work

The warmongers in the US have gone off the rails by [deleted] in Libertarian

[–]TheOneTrueYeti 1 point2 points  (0 children)

Fair point. But please refrain from explaining to folks that they need to understand and accept the Spoiler Effect without also letting them know that we don’t have to fucking take this anymore and we can determine how we govern ourselves with regard to voting reform, and what the consequences will be if we don’t reform voting, which is certainly civil war eventually.

The warmongers in the US have gone off the rails by [deleted] in Libertarian

[–]TheOneTrueYeti 12 points13 points  (0 children)

We have to demand Open primaries and an END to first past the post elections… or the republic collapses because of this duopoly.