i'm going to talk about medicare in massachusetts and if you're coming into medicare and you're
doing your research you've likely found out by now it's different in massachusetts so i'm going to
show you everything that you need to know to make sure that you make the right choices so stay tuned
so let's talk about medicare in massachusetts and i'm keith armbrank i'm founder of medicare
on video and i help people across the country make the right medicare choices and i can absolutely
help you as well and one of the best parts about what i do there's no cost to you to allow me to
help you so i certainly hope you'll take advantage of everything that i have to offer and we'll make
sure that we get all your pieces in the right place so right now we're going to talk about
massachusetts and i'm going to try and get this done in under three minutes so we're going to
get a clear picture on exactly how things work in massachusetts obviously there will still
be questions for some if you need any help feel free to send me an email give me a call i'm happy
to answer any questions related to medicare and also you can visit my website medicareonvideo.com
where you can get an immediate quote on a medicare supplement plan so right now we're
going to talk about massachusetts and there are some major differences in massachusetts so let's
go ahead and start our timer and we'll get done in less than three minutes so when we talk about
coming into medicare for the first time if you're going to stay on original medicare
part a part b which is certainly what i recommend it gives you the most freedom the most flexibility
kind of the ability to do what you want with your health care going forward
you're likely looking at a medicare supplement plan and doing your research you've probably
seen this chart of all these medicare supplement plans so medicare supplements are standardized
from plan to plan so meaning a plan g is a plan g or an f is an f doesn't matter which
insurance carrier you use the benefits are going to be exactly the same so that works great for
most of the country unfortunately massachusetts said yeah that's not quite good enough for us
we're going to make our own set of benefits in massachusetts so
if you've done a lot of research it's probably not going to be too valuable for you at this point
so i'm going to show you exactly what you need to know about massachusetts so here are your choices
in massachusetts and there are certainly less choices which is good but we need to understand
exactly what they are so we have the core plan the supplement plan and the supplement 1a plan now
while there's only three here there's really only two so there is no longer the supplement one plan
if you are eligible for medicare after january 1 2020. so if you turn 65 after january 1 2020
supplement one is no longer available and that's not necessarily a bad thing
so we need to understand one a and core and there are some other scenarios in massachusetts
that kind of makes our choice a little more we need to be a little more creative because we have
some guaranteed rights in massachusetts so when you look at supplement 1a it's very similar to
plan g it pretty much covers everything except the annual part b deductible that's what plan g does
so we can look at supplement 1a as kind of plan g now why would we choose the core plan and there
are some reasons that we might want to do that and kind of something on a one by one personal
level so when we look at how they are rated how your premiums are calculated in massachusetts
they are community rated meaning everybody pays exactly the same price whether you're age 65 or
whether you're age 95 now this works out fantastic if you're age 95 it's not so hot if you're age 65
because you're going to pay the same thing so you're off setting the cost for the older folks
when you come into medicare so we want to navigate that as best we can as well and then the
other thing in massachusetts is there's year-long guaranteed issues so you can change from a plan to
another plan to another plan at any time without medical questions so this is another reason we
need to be creative in massachusetts we need to figure out the right insurance carrier the right
strategy and the right plan that's exactly what i do is i help you figure that out and make sure
that we do it right going forward because this is our one shot coming into medicare where we want
to make sure we absolutely get it right so take a few minutes visit my website i have videos on just
about everything but keep in mind massachusetts is a little different on some of the videos so
feel free to send me an email give me a call visit medicare on video i'm happy to help with any of it
looks like we did pretty good on time i hope you found this helpful have a fantastic day