The TRUE Costs of Medicare Advantage vs. Medigap
Автор: Giardini Medicare
Загружено: 2025-03-18
Просмотров: 3423
Ever heard someone claim, "Medicare Advantage plans are only good until you get sick"? Are Medicare Advantage plans risky compared to Medigap? In this comprehensive Medicare Advantage vs. Medigap comparison video, Cameron Giardini from Giardini Medicare evaluates whether Medicare Advantage plans actually pose financial risks if you experience significant health issues. We dive into detailed long-term cost comparisons over 21 years using real-world data, scenarios, and projections.
This video breaks down:
Medicare Advantage vs. Medigap Plan G, Plan N, and High-Deductible Plan G
Long-term financial impacts for Medicare beneficiaries with average health, chronic conditions, and catastrophic illnesses
Premiums, copays, coinsurance, deductibles, maximum out-of-pocket limits (MOOP), and more
Real-world case studies from diverse markets, including Michigan, Florida, and Texas
Annual premium increases, Part D prescription coverage considerations, and enrollment trends
Video Timeline:
0:00 - 2:00 - Introduction
2:01 - 3:08 - Video Overview
3:09 - 4:16 - How We Chose MA Plans
4:17 - 6:14 - How We Chose Medigap Plans
6:15 - 7:50 - Medicare Advantage Costs Over Time
7:51 - 9:43 - Changing From Medicare Advantage to Medigap
9:44 - 12:19 - Long-Term Cost Projections Example 1
12:20 - 14:49 - Long-Term Cost Projections Example 2
14:50 - 18:24 - Long-Term Cost Projections Example 3
You'll get detailed insights on:
How Medicare Advantage plans can potentially offer lower cumulative costs even with substantial healthcare needs
Situations where Medigap coverage may provide superior financial protection
The financial implications of plan choices across different states and health scenarios
Remember, while financial factors are critical, other considerations like network restrictions, prior authorization requirements, provider availability, and supplemental benefits also significantly influence the Medicare decision-making process.
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🔗 VIDEO SOURCES AND LINKS:
Detailed Cost Comparison Spreadsheet: https://docs.google.com/spreadsheets/...
Official CMS Medicare Enrollment Data: https://www.cms.gov/data-research/sta...
MedPAC Medicare Advantage Report: https://www.medpac.gov/wp-content/upl...
Medicare & You 2025 PDF: https://www.medicare.gov/publications...
2025 KFF Look at Medicare Part D: https://www.kff.org/medicare/issue-br...
KFF Medigap Elusive for those with healthcare needs: https://www.kff.org/medicare/issue-br...
2025 KFF Medicare Advantage Overview: https://www.kff.org/medicare/issue-br...
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