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Medicare for Snowbirds and RV'ers - Duration: 12:13.
Hi, I am Matthew Claassen with MedigapSeminars.org
in this video we're gonna go over all you need to know about Medicare for Snowbirds, for RV'ers,
as well as for people who are on Medicare and expecting to move to a different state.
MedigapSeminars.org; An Independent Insurance Broker Specializing in Medicare.
Are you a Snowbird; a person who has homes in more than one state and tends to move south to a warmer climate in the winter?
Or perhaps you're in RV'er in a motor home and like to travel all over the country.
Or you're simply a person on Medicare and expect to move. You want to know how that's going to impact your Medicare what decisions
you have to make. If so, then you should have questions about how being a Snowbird or an RV'er or moving impacts your Medicare.
What kind of decisions you need to make and what your Medicare rights are. That is what we will discuss in this video,
and we are going to approach it sort of a frequently asked questions (FAQ) format.
We handle Medicare questions and we handle Medicare for people literally coast-to-coast, from California to Virginian,
and from Michigan to Miami. We are based in South Florida and because of that
we tend to get a lot of questions from Florida Snowbirds or people moving down south, and it has become an area of expertise.
The first question we tend to get, a fairly simple one; "what is the right Medicare plan for a person who's in multiple states during the year?"
The answer to that question isn't so much what is the right plan as it is what is the wrong plan.
When you sign up for Medicare, once you've enrolled, you get a red white and blue card that shows you have Medicare ...
Medicare Part A and Medicare Part B. That is called "Original Medicare".
That original Medicare, along with any supplement that you get with that, is good in every state.
You can go to any doctor, any medical facility as long as they accept Medicare, anywhere in the country.
You don't need to have a Physician give you permission to see a specialist. You have complete control over your Medicare.
The other route you can take is enrolling in a Medicare Advantage plan.
Medicare Advantage plans are typically HMO's and PPO's. There are some other types, but most are HMO's and PPO's.
That's local coverage! That tends to be just you county, or just the counties surrounding your area year. If you've chosen an HMO,
then you have no coverage, outside of emergency services,
outside of your network. None whatsoever. You've lost your right to have insurance outside of your network.
If you have a PPO, then you will have coverage outside of your network, but it will be at a higher cost.
With the PPO you can see a doctor either in network, or out of network.
In network, which tends to be your local area,
you will have copays and deductibles and a maximum annual out of pocket expense of no more than $6700 a year (for 2017).
If you go out of network it's gonna cost you more. It will cost you higher copays or higher deductibles,
and your maximum annual out-of-pocket can be as high as $10,000 per year.
There are regional PPO's that can offer some extended in-network coverage out-of-state, but that's beyond the scope of this particular video.
The bottom line is that if you are a Snowbird or you're in RV'er, you want to avoid the Medicare Advantage plans. They don't typically
satisfy your needs because you have multiple states with which you might want to have health insurance coverage.
They will come back and say; but we have emergency services outside of our network anywhere in the country.
Very true, but you have to read the fine print on an emergency service.
Often times an emergency service is defined as simply stabilizing you until your life is no longer threatened.
A perfect example is someone's
traveling out of state and gets in an automobile accident and is in traction with almost everything broken.
Emergency service is making sure that you're alive and stable. After that you have to get yourself back to your service area for coverage.
You have to get back in-network.
Otherwise it is out-of-network coverage and that can be very, very expensive.
If you're a Snowbird or RV'er you would want to avoid Medicare Advantage plans. If however
you find that the Medicare supplements are simply too expensive for you, or the average Medicare supplement,
then you might want to consider something called Medicare Supplement Plan F - high deductible.
Or, as will be introduced in 2020, the Plan G- high deductible. These are not as high of coverage as you would get with the
Plan F or Plan G or Plan N or any of the other more popular supplements,
but you still have the freedom to go to any doctor in any state and any medical facility that accepts Medicare.
Your cost is typically under $100 a month and, depending on where you live, it could actually be as low as $50.00 a month or even lower,
I should say. So, you can check on that. We actually have an entire video on Medicare Plan F - high deductible.
You might want to look at it if you're in that situation.
But I would only suggest it if your finances really dictate that decision.
The next most common question we get is; Which state do I use for as resident? I spent eight months in Pennsylvania and only four
months in Florida. Does that make Pennsylvania my residence state? Or I spend six months and one and six months in the other.
Well, the answer is that on all of these contracts, on all insurance contracts it says you put your permanent address.
The definition of "permanent address"
is actually written into the Social Security law. That's where Medicare laws are written, in with Social Security.
Your "permanent address" is where you vote and pay taxes. It should also be the same address you have on record at Social Security.
It doesn't matter if you spend only two months in Florida. If Florida it is your permanent address, that's where you have to buy your
insurance policies from. This includes your prescription drug Part D, your supplement, or anything else Medicare related.
It doesn't matter how much time. It matters where you vote and where you pay your taxes.
Of course we also get then; what if I, you know, cheat a little? Well, this a contract.
On a contract you have to write down the information and sign your name. If you're untruthful on a contract, then like any other
contract, it could be voided. Insurance companies are not going to check your residence state when you sign up, apply and
get accepted. But they have written into every single one of these policies that they have the right to check if something happens.
So if you have a medical event, you're in the hospital
the insurance company is looking at hundreds of thousands of dollars in costs, they have the
right to check to make sure that everything is true on your application.
If they find it wasn't truthful, they have the right to void the contract. That is a decision that can be made, and of course it would be made when
you are an absolute worst circumstances. I look at insurance is it's, it's...
what we use to mitigate financial risks. Well if you're not truthful on the application then
you're not mitigating financial risk. You're just changing it from one scenario to another.
That's not a wise decision. The next question would be; what if you have Medicare and
you decide to move? You decide to change your permanent resident address. What happens?
Well, first off if you have a Medicare supplement, that is good in every single state. It's good every where you go.
You do not need to do anything.
If you have a Medicare supplement and there's the exact same supplement, offer by the exact same company in a different state then ...
that company has the right to raise your price if it's a higher price in that state.
You have the right to ask for a lower price if the supplement is a lower price in that state. The prices in every state are different.
If you have questions on that, contact us will be able to give you some more specific information.
But keep in mind a lot of these companies have
one subsidiary working in one state another subsidiary working in another. Those are not the same policies.
policies. If they don't have the same policy, they can't do anything with the price.
Let's say you have your prescription drug Part D plan, or you happen to have a Medicare Advantage plan. Then what will you do?
Well first off, when you're going to move, when you know you're going to move you need to
notify your prescription drug plan or your Medicare Advantage plan company.
Typically do so 30-days before the month that you're going to move. So, the month before the month you're going to move.
Call them up, tell them you're going to move out of their service area. Our new residence is going to be such and such.
They will send you a letter. In that letter they're going to say "you're moving out of our service
area so we can no longer cover you." It is called a disenrollment letter.
That's your free pass. With the disenrollment letter, once you've moved or even as you're planning to move you can then
get a new prescription drug plan or new Medicare Advantage plan for the location that you've moved to.
You don't have to wait for a annual enrollment , you don't have to wait for anything. It is a special enrollment period for you.
You simply apply to the insurance company for a new plan.
They will want to see typically the disenrollment letter. That's what gives you the right to get the new plan.
No one can deny you coverage. You will simply have a new plan with the new address for where you are now living.
One of the best sources for taking a look at and researching your Medicare rights
Not just the rights for when you're moving, but then when you can
have a special circumstance that will give you the right to purchase another plan. We prefer the "Choosing a Medigap Policy" guide.
Link Below. When you look on pages 22 and 23 of the 2016 version
could be different pages on another version when Medicare puts out the 2017 and 2018 ..
There is goin to be a table listing your rights and under what circumstances you can get different plans. Very easy to follow.
Its actually great information to have for anyone who's on Medicare just to have it as a resource.
So that's it! Those are our most frequent questions for Snowbirds, RV'er and some people are
moving from one state to another and how it impacts your Medicare.
I hope you found this information useful.
If you have, then please subscribe to our channel or also LIKE this video. When you LIKE this video...
you increase the probability that when somebody else is searching the same question that you're searching for that they're
gonna find this video and help answer their questions.
I am Matthew Claassen of MedigapSeminars.org
Thank you for watching!
MedigapSeminars.org Make an informed decision. An independent insurance broker specializing in Medicare.
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Drug Ban Game Changer For America - Duration: 4:20.
>> AS THE UNITED STATES CONTINUES TO BATTLE SERIOUS
OPIOID EPIDEMICS, CHINA HAS
MOVED TO HELP US BY MAKING FOUR LETHAL HEROIN LIKE NARCOTICS
CONTROLLED SUBSTANCES.
THESE NARCOTICS ARE SIMILAR TO
FENTANYL, WHICH IS OUTLAWED IN
CHINA.
BUT THEY ARE SIMILAR TO FENTANYL.
LET ME STOP RIGHT
THERE.
WHAT WAS HAPPENING IS IN CHINA SINCE THESE WERE NOT
CONSIDERED CONTROLLED SUBSTANCES IT WAS EASY TO EXPORT THEM TO
COUNTRIES THAT HAVE AN OPIOID EPIDEMIC, LIKE HERE IN THE
UNITED STATES.
PHARMACEUTICAL COMPANIES PRESSURED DOCTORS TO
OVER PRESCRIBE, SO THEY STARTED
REGULATING THE DRUG.
AFTER THAT PEOPLE COULDN'T GET THEIR HANDS
ON THE DRUG THEY WERE ADDICTED TO SO THEY WENT TO THE BLACK
MARKET.
ONE OF THE THINGS THEY DID WAS RELY ON IMPORTS FROM
CHINA IN ORDER TO GET THEIR HIGH.
NOW CHINA IS DOING WHAT
THEY CAN TO HELP THE US.
THE DEA HAS BEEN WORKING CLOSELY WITH
THEM AND THEY HAD TO MAKE A
CASE.
AT FIRST CHINA WAS LIKE WE DON'T CARE.
BUT APPARENTLY THE
DEA DID A DECENT JOB IN CONVINCING CHINA TO DO SOMETHING
ABOUT THESE DRUGS.
>>NO MATTER WHAT YOUR OPINION IS ON LEGALIZING DRUGS, AT LEAST
THIS IS ABOUT ACTUAL DANGEROUS DRUGS AND WE ARE NOT WASTING HER
TIME ON DRUGS THAT ARE NOT NEARLY AS DANGEROUS LIKE
MARIJUANA.
THERE IS OPIUM COMING IN FROM CHINA THAT HAS A LONG
HISTORY.
IF YOU DIDN'T KNOW, OPIUM USED TO BE LEGAL HERE IN
AMERICA.
THE REASON WE MADE IT ILLEGAL WAS SO WE COULD
DISCRIMINATE AGAINST THE
CHINESE.
IT ALLOWED US TO START ARRESTING THEM BASED ON RACIAL
REASONS.
IT'S INTERESTING THAT CHINA AND AMERICA ARE NOW
WORKING TOGETHER.
BUT THIS THEY SHOULD BATTLE.
WHETHER IT IS
THROUGH LEGAL OR OTHER MEANS.
YOU ARE IN A BAD SPOT, YOU REALLY NEED SOMETHING THAT CAN
KNOCK OUT AN ELEPHANT?
>> A LOT OF PEOPLE THINK AS DRUG ADDICTS AND THE SUPER
NON-NUANCED WAY.
ANYWAY ñ I THINK WHAT USUALLY HAPPENS IS IF
SOMEONE HAS A PREDISPOSED ADDICTION THEY WILL GET
PRESCRIBED A PAINKILLER FOR
LEGITIMATE REASONS, NOT KNOWING THAT THEY ARE LIKELY TO GET
SUPER ADDICTED TO IT.
I HAVE
HEARD SO MANY STORIES OF PEOPLE WHO HAD THIS HAPPEN TO THEM.
ONCE YOU ARE ADDICTED IT IS
UNCONTROLLABLE.
THAT IS WHY IT IS SO IMPORTANT TO BE CAREFUL
WITH PAINKILLERS.
THERE ARE PEOPLE PRESCRIBED PAINKILLERS
THAT ARE NEVER ADDICTED.
I GOT PRESCRIBED PAINKILLERS WHEN I
HAD MY NOSE JOB.
WE NEED DOCTORS TO PRESCRIBE MARIJUANA.
IT CAN
CURE SO MANY THINGS.
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Resources For Solo Moms Planning To Go Back To School - Duration: 6:38.
HI everybody I'm Gaby from IndependentMomTV.com where
I vlog about tips resources and
advice for moms who are parenting alone.
So, if you've been thinking about going
back to or starting college for the
first time, today I have some tips and
resources to help you get started. So the
good thing is that nowadays you can do
pretty much anything online including
going to school so i'm going to focus
specifically on online universities and
colleges today. Let's go ahead and
take a look at some of the things that I
have pulled together for you
Petersons.com is a good site for
you to start out with. Peterson will give
you information about schools and
programs graduate and you want to go to online
schools right here once you get there
you can also look at scholarships on
this page test prep if your
program requires you to take some sort
of an entrance exam
another good site is if you are looking
for or you need any kind of financial
aid, then you want to take a look at
grants and scholarships there are a lot
of scholarships and grants specifically
geared towards single moms
so you want to do a search in google and
use key phrases like single mom grants
or grants for single moms something along that line
scholarships for single moms things like that. Grants
are funded by organizations foundations
and educational institutions and they don't
require that you pay them back they are
also tax exempt so those are two good things
right there now I should say that
writing a grant if you've never written
before it can be a bit stressful but I
do have some links to help you either
figure out how to write your own grant
or find someone to help you or actually
write the grant for you and there are
sites that do that such as grantforward
.com which is a really good site here
for you grantforward.com another site is
grantwatch.com so they have various
subscriptions depending on what you need
there's someone there to
help you write the grant or actually
write it for you so you want to check
out sites like that very very
informative and then there are sites
like grantspace.com and they have courses
like this one right here is an introduction
to proposal writing that is if you have time
to do that but if not then you
definitely want to look into sites like
grantforward.com and grantwatch.com and if
I'm going a little fast for you don't
worry I will be sharing all of the links
in the description section you can also
go to independent mom tv.com where you
will be able to see this particular post
and find all the links as well as comment
and ask me questions that you may have
ok so continuing on with grant resources
and I have a whole lot more than what
I'm showing here so I will share
these links but also a list of other
links that I have so as I mentioned
there are grants that are specifically geared
towards single moms you I'm sure will
qualify for any of those grants you just
have to look through them and find out
the eligibility requirements and you
know first find the programs that you're
interested in and go from there one of
the resources that I found which is a
very popular one its studentaid.ed.gov
and you can find a checklist of
all things that you need to do the types
of aid available whether they are grants
scholarships loans, work studies
whatever it is that you are looking for
whatever you need and the last thing
that i have for you which I probably
should have put first always start out
with the government US Department of
Education they have everything there
basically so if you start here you may
not need the other pages but it's
always good to get as many resources as
possible the first few links basically
show you where you can look for
different programs of interest that's it
as far as the links are concerned but I do want to say
this to you and I'm gonna flip back so you
can see my face on this one here
as you move towards going back
to school or if you already in school
make sure that you make time for
yourself and make sure that you ask for
help when you need it because it can be
a little no it can be very stressful
not a little stressful and that's not to
scare you it's just to I mean you know you're
already parenting alone so you've already
taken on the brunt of a lot of things but
sometimes we don't ask for help we're
quick to help on the people but we don't always
look out for ourselves so as you go back
to school and and work your full-time
job and tend to your household
responsibilities don't forget to take
care of yourself and don't forget to ask
for help have kids sit down with you
when you do your homework or you're studying
or you're reading that's awesome for them to be able to
their mom doing that so have
conversations about that
set up a time where it's study time
where they're doing their homework and you're
doing your homework at the same time at the same table
I think that it's awesome for kids to see
their moms..and dads trying to better
themselves and so you are opening doors
in so many ways that you don't realize
right now when they see you doing that
you know explain to them what you're
studying and why you are studying it and
talks about you know why it's
important to read and understand what
you're doing and strive for more..So anyway I
wish you the best and I know you're
going to be great at whatever it is that
you decide to study if I can help you in
any way please don't hesitate to reach out to
me and ask me for any information that
maybe you need and didn't see here because believe me I have
a lot of resources so wishing you much
happiness and more blessings than you know
what to do with. I hope to see you back
here next week and if this was helpful
to you be sure to share it out someone
who may need this information thanks for
tuning in
take care hasta la bye bye
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