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Medicare Advantage vs Medicare Supplement Cost Comparison (2025)

Medicare Specialist - Abt Insurance Agency 446 views

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After watching probably all of your videos discussing the choices we senoirs have for healthcare in retirement, I'm going with a supplement plan - Plan N or High Ded G I truly see no "advantage" in MA plans? brbrPersonally, I work in healthcare - as a cardiac sonographer - and, at 64, I'm constantly inquiring with patients I interact with on what plan they have It's amazing to me how many people choose MA plans in my area - southern Maine - w/o understanding the potential consequences of that decision when an extended stay at the hospital happens Supplement for me brbrAnd I thank you and your company for all you do to help educate us on this complicated subject
Comment from : @stevemoon4706

is it for married couple charge as a one family or just say husband and wife?
Comment from : @GitaPatel-b4l

thank you very knoledgeable
Comment from : @hammanibenzawi7970

Is there a deductible?
Comment from : @nancyhailey4842

Why dont you say this Medicare Advantage is a private insurance!!!
Comment from : @JJ-wj6un

I know that my situation is different, but for what it's worth, I will post this I am a retired letter carrier, and I have a Advantage PPO plan through the group of insurance plans available to me through the government I do pay about 23800 a month for the plan, but I have no deductibles or copays, and I don't have to have pre-authorization I also get a discount on my part B, and I have some preventative dental and eye care I also have Part D prescription coverage with copays I have had this plan for a couple years, and it has performed as stated Of course, I haven't been hospitalized I'm sure there is pre-authorization required for hospital admittance I'm not sure if I decided to go back to Medicare and a supplement, if I would have to go through Medical underwriting
Comment from : @edwardmissouri2216

This is a very informative video! One thing I think you should also mention is that the $17470 for Part B coverage is automatically withheld from your Social Security check, so you don’t feel like you are actually “paying” for it every month like writing a check for it My hubby and I started on a Medicare supplement plan when we first went on Medicare because we wanted the absolute lowest out of pocket cost in case of a catastrophic illness Our independent agent did an analysis at the end of the first year and she said we were really only using the prescription coverage of Part D, so she recommended switching to an advantage plan to save money Fast forward a few years and my hubby is now in a nursing home and the plan has a limit of 100 days of skilled nursing/rehab ( and they can cut you earlier if you reach a plateau or stop progressing!) and from the middle of September to the end of 2024, he was on private pay and we shelled out between $35,000 and $40,000! And his medical situation now will not allow him to qualify for a Medicare Supplement plan! So like this presentation says, be VERY careful when deciding!
Comment from : @ShirleyOldland-w6j

How do we contact you?
Comment from : @mikegarcia450

Thank you so much for this video It was very interesting
Comment from : @CrystalMartinez-x3d

If you go Medicare Part A,B,D and Supplement, How do I get a coverage for vision, hearing and dental?
Comment from : @youngedwards3265

This video is not as clear as the basic one
Comment from : @kidvision564

For the first three years of my retirement, we went with a Medicare Advantage plan, which had our primary hospital and all our doctors in-network for several plans For 2025, we learned - after the fact - that the doctors who had been accepting some of the Medicare Advantage plans (HMO and PPO) were no longer accepting ANY of them And there was no forewarning about the changes As a result we felt the need to go to a Medicare Supplement (Plan N) We had to go through underwriting, as you mention, but were ultimately approved Still, a frustrating experience
Comment from : @teladan5

Is there any person who has work experience on Part A medicare????????
Comment from : @ALL-IN-ONE1292

To be fair, if you are going to compare apples to apples, you need to include what premiums would have to be paid for dental, vision, hearing, gym membership, etc You save a lot more to an advantage plan when you consider this most of the time
Comment from : @gordoncashwell325

Hi Stephanie, I just found your channel and finding it very helpful as my wife and I just turned 64 In your white board example of Medicare Part G do each of us pay that premium?
Comment from : @curatorproductions

I am retired now 73 my wife is going to be 70 this year,she want to get her benifit but only have 36 points this year ,she can barely make it to work because of pain ,every day can she apply fr
Comment from : @RodgerShAkes

Supplement to much money
Comment from : @outlawco60

I am in Texas and need some help, I am 65 and trying to decide which way to go with this
Comment from : @MotorCityEastSide

And watch how much you make the year before you get on because they'll raise your rates I took a retirement buyout so mine went from 185 to like 600 big rip off for one year 2025 wasn't earned income but I guess income let they counted it's all bs I hope Trump reels them and the IRS in bunch of crooks in my opinion
Comment from : @Mike232-j2p

Thank you for your Medicare videos I am helping my Baby Boomer parents, and I had no clue about this information
Comment from : @virgobutterfly1680

Thank you
Comment from : @samholloman4123

Some of us don't get a chance to choose Being disabled means supplements are not an option However, at least I can have inurance❤
Comment from : @paulnandico2370

Medicare Advantage Plan C is NOT Public Medicare at all! Medicare Advantage Plan C is a PRIVATE company that is part of United Healthcare! NEVER sign up to Medicare Advantage! Medicare Advantage is ONLY profit driven, so if this corporation could they would deny 100 of claims submitted to them It's just so sad, that the United States doesn't have universal health care for EVERYONE!
Comment from : @terrianne6312

Stephanie, I'm using Zepbound for weight-loss Are there any perscripton plans that will pay for most of the monthly cost? I'm in process of signing up for a Medicare plan with an agent I haven't commented yet, because my husband is retiring in February 25 I've been covered under his bc/bs plan for 26 years Any help on the weight loss issue would be wonderful Thank you
Comment from : @susanreppert6982

What are your thoughts on high-deductible plan G Medigap plans?
Comment from : @lychees100

This video is great The US health insurance system is insane and appalling Why do we tolerate corrupt ins cos between us & our doctors?!
Comment from : @NorthStarPNW

MEDICARE ADVANTAGE IS NOT MEDICARE! #ONLYMEDICAREISMEDICARE
Comment from : @mattycee01

OMG……Why?
Comment from : @lawrence1960

Advantage plans are private insurance that benefit insurance companies and they profit by denying services to a lot of people They cost the US millions
Comment from : @cherylb3416

I'm turning 65 in '25, so thank you for all the great info While tending my mother, I have been pleased with her original Medicare She also has BCBS Plan F ($350/mo at age 92), which covers her Medicare deduct, but I think she'd pay less overall with the Plan G you quoted They are very good at covering the Medicare co-paybrbr2:04 So when Advantage plans quote $0 monthly premium, they really mean no additional premium We still pay the $17470/mo brbr3:25 For covered services, Medicare typically pays 80 of the Allowed Amount, and the patient is responsible for the remaining 20 (of the allowed amount, which usually is much less than the billed amount)
Comment from : @ecf9674

Why didn’t you cover the maximum out of pocket expenses when choosing A,B plus supplement?
Comment from : @chrisjohns38

Deductibles, long hospital stay costs should have been explained
Comment from : @jaylee9244

I didn't notice you adding in the $590 Part D out of pocket deductible in your list of figures
Comment from : @swray55

Address going from advantage plan to supplemental Biggest issue with advantage plan pre authorization
Comment from : @pauljohnson7770

I can't watch her she reminds me of a friend of mine that died a few years ago!!!
Comment from : @manhunter3429

Medicare Advantage is a lie It is niether Medicare nor is it an "advantage" It's just regular ripoff private insurance
Comment from : @DavidHarper-n9f

If i was approved for medicare at age 55 because of a disability and i have been on an advantage plan since ,does the Open enrollment period when i turn 65 apply to me so i can switch off the advantage plan to a supplement plan without going through a qualification for an underwriter?
Comment from : @kelleywilliamson9603

We have a Medigap part G throughUnited Health 15 days after our Medicare went into effect January 2023 my husband was sent to the ER by Ambulance ans spenr 5 days in the Cardiac unit and had 3 heart procedures In February 2024 Ihad triple bypass surgery We never received one single bill for either one We can go to any doctor that takes Medicare without a referral We are lucky to have some of the best Cardiologists in the Chicago area,
Comment from : @catvoci

I will take A and B I have great bccs insurance with my employer which follows me into retirement
Comment from : @KimBarker-w8d

"Building wealth is like climbing a mountain; investing is the steady ascent, retirement is the summit"
Comment from : @JosephEricx2y

I’m on Social Security and Medicare The thing that happens is yes we got a three point whatever percent increase last year but my Medicare part B payment also went up by $60 a month more than my cola so I actually took a $60 a month cut I literally made best decisions when i started working with an advisor
Comment from : @MagdaleneM-f3q

Thank you for not starting this video by saying 'Hi, Guys!'
Comment from : @111bobgato

Great job You are well educated and knowledgeable in the filed Thanks
Comment from : @inspiredbyyou2day698

They sure don't tell you ahead of time about not being able to switch back easy!
Comment from : @Lenee-l1g

again a tremendous video can you name or show the 4 states you are not licensed in? Thank you
Comment from : @duanek6051

Is it true that some Medicare advantage insurance pay for some part b premium?
Comment from : @leilalloyd811

Why does every insurance agent push plan G? No one ever talks about the cheaper plan N
Comment from : @byron2521

CA 9 years on Medicare Advantage plan with SCAN Love it! $0 premium (aside from the Part B), $0 copay for dr visits & diagnostic tests, $0 copay for most but not all medication (I am currently in donut hole, so bummer), husband has had 3 in hospital surgeries with $0 copay, I have had 2 outpatient surgeries with $0 copay 2024 is actually the first year that every diagnostic tests were $0, previously we paid $50 or $25 for MRI, CT scan or ultrasound First year paid $125 for biopsy All referals/authorizations have been approved, some took a couple weeks, most have been coming g next day FYI !
Comment from : @vickygrooman7966

How do you pay for your monthly premium for part B?
Comment from : @dawngaran1490

Is this for the state of Texas?
Comment from : @NoraAleman-nj2dr

I’m about to retire…brCan I just talk to you and your team and put together a nice Medicare package? California and I as well as my wife qualify for parts A and B, we would go with supplement plans as well as medigap Does this sound right or am I missing something?
Comment from : @fishypictures

First time
Comment from : @BarbaraYoung-f6u

Could you give website
Comment from : @BarbaraYoung-f6u

What's in the packets
Comment from : @BarbaraYoung-f6u

Can you have Medicaid and Medicare
Comment from : @BarbaraYoung-f6u

I'm on a fixed income How much does it cost or have no cost at all
Comment from : @BarbaraYoung-f6u

Am I eligible for a flex card if I only have Medicaid
Comment from : @Anthony-m7t3h

Thank you for your honest worning!
Comment from : @renataallen9688

She is pushing N plan because that's what they make the most money off of Plan G you have total control of your health insurance Supplement G is the Cadillac of health insurance
Comment from : @emptyblank4320

Medicare Advantage also has the no-network option now You pay the same for any Medicare provider in-network or not, but there is a higher monthly premium for this It's called "full access" Max-out-of-pocket is $3400 for 2025 on the "full access" plan
Comment from : @markrosenthal9108

Mother Nature gets the blame for most of Floridas issues The root cause is mismanagement, poor planning, and corruption by the state, county, and municipality legislators A family member explained to me over fifty years ago that the "Florida model" for developers and politicians is based on the following Build in an area that's vulnerable Let mother nature destroy it Rebuild it Win win for everyone but the sucker's that line up to buy it He lived there for forty years and recognized this and it's more true now than ever
Comment from : @JohnJohn-wr1jo

I spoke to 3 different insurance agents who were supposed to be unbiased I watched a lot of videos before and learned about the difference in Medicare and advantage plans and I was still not sure i understood but the agents all tried to put me on an advantage plan although I was pretty sure i wanted regular Medicare I was lied to many times I learned that insurance agents get paid more money when they sign you up for an advantage plan
Comment from : @purplekat10000

Very well explained Thanks!
Comment from : @sanjivmishra7406

Didn't cover medigap?
Comment from : @imhotepseattle

C is 0? Not in my world?
Comment from : @imhotepseattle

Medicare advantage is private insurance and covers nothing Stay away from it
Comment from : @oldtimer86

I think the costs if Part D on a very low income recipient is $180/month
Comment from : @sonjo2419

You are speaking too fast for us elderly to comprehend Please improve your presentation cause this topic is very important especially for baby boomersbrYou are going 100 miles per hour in your speaking!brPlease improve your presentation Thank you!
Comment from : @gloryjacks3806

Learning about Medicare makes me sick in my stomach; best plan is to die at 65 and never enroll in any plan, how sick is America Healthcare!!!!!!!!!!!
Comment from : @MoMo-rf6ji

Great Information!
Comment from : @stukort3376

Stephanie, thank you so much for your informative videos! My question about Plan N: is there coinsurance for weekly psychotherapy visits CPT code 90834? (Since the 2010 document cos was released CPT codes have changed, as you pointed out)
Comment from : @24sharongary

How about if my son is already on medicaid more than 2 yrs and he is available for medicare? How do i apply for medicare?
Comment from : @jennyryan1717

Thanks for the info Stephanie!
Comment from : @chuckpinkham9470

Medicaid has stopped paying my part b I'm on disability I have supplemental insurance They are charging me 17400 a month now Is this acceptable Please advise me if you have any insight
Comment from : @TerryPatterson-d4q

Girl, you are so helpful! Thank you
Comment from : @carriesmith3791

excellent information presented
Comment from : @miichaelhickey

I just turned 65 and have Medicare with medical regal health net is medical regal health net an advantage plan or a medigap supplemen?
Comment from : @JB-gs4ip

I have epilepsy and I have to have my meds So I guess Medicare advantage is for me It's awful that our medicine is not covered
Comment from : @TulipWife

2025 Medicare Part B premium $18000 per monthbr Who pays the other 80 of the monthly Part B premium? brInteresting to know the answer
Comment from : @tedlahm5740

I switched to advantage this year, just for hearing aids, hearing aids were on sale so didn’t use insurance Would have cost more You do get money for cvs, however you can only use it for certain things, Almost worthless Can’t get dentist appointment till Nov , but I’m switching back to reg Medicare Advantage didn’t work for me
Comment from : @ronwilkinson3587

I understood perfectly and you didn't even say doughnut hole😂
Comment from : @bmac6645

Hello, which plan cover vision and dental? Does plan g cover dental and vision? Thanks
Comment from : @ricktorres1319

I’d love to know who sells Plan D for a $20 monthly premium Lowest for me is $80 and it doesn’t even include asthma inhaler mediation With Qvar covered the premium is much higher
Comment from : @cathyLS

Hi Stephanie We just reached that fork on the road My friend recommended you This is a great video You have a great way of explaining a complicated thing such as Medicare without further confusing people You must have been a teacher before or in another life 🙂 I'm calling you tomorrow We need your help! Thank you for sharing your (great) Medicare knowledge
Comment from : @agtrst

❤❤
Comment from : @Derivk-n6j

An advantage plan left me with thousands in bills (on disability income) It's VERY important to know that the 20 Medicare doesn't cover is ONLY the 20 of the price Medicare ALLOWS- not what the hospital bills I did assessments for Medicare reimbursement for many years before my body broke Advantage plans are cheaper- but you get what you pay for It's much cheaper to pay the 20 I was paying $450/month for plan F (I have a lot of medical issues)- Now, I pay about $50 each for my diabetic CGM supplies and CPAP supplies IF I end up with other medical bills, I can make payments much more cheaply
Comment from : @tatteredquilt

Medicare supplement plans with part D give people the best coverage They pay for the gaps in basic Medicare
Comment from : @CT-mo5cs

thats right the older you get the premium goes up
Comment from : @ips670

excellent presentation!
Comment from : @TimCusick

We left the dinosaur Red/White/Blue Medicare in 2019 Providers were abusing the deductibles owed on Jan 1 of every new year You either pay it up front at first visit or you aren't seen TRUE STORY! We talked to our Agent and he went over everything with us for several hours after he closed his office We even have Dental and Vision now Nothing ever stays the same but for now we're happy with our Advantage plan
Comment from : @freeandfancy