Okay, here it is.
Okay, here it is.

Today's video is for anybody just turning 65 or retiring and coming on to
Today's video is for anybody just turning 65 or retiring and coming on to

Medicare.
Medicare.

I'm going to tell you how to sign up for Medicare, all the different ways, what
I'm going to tell you how to sign up for Medicare, all the different ways, what

you need to know about enrollment periods and other coverage aside from
you need to know about enrollment periods and other coverage aside from

Medicare, like Advantage plans and Medigap.
Medicare, like Advantage plans and Medigap.

My name is Russell Noga. I'm the founder of Medisupps.com.
My name is Russell Noga. I'm the founder of Medisupps.com.

We're an online insurance agency that help people find the best Medicare
We're an online insurance agency that help people find the best Medicare

Supplement coverage and the lowest premiums, not just when you first sign
Supplement coverage and the lowest premiums, not just when you first sign

up, but every year when you get a rate increase.
up, but every year when you get a rate increase.

Tthere's no cost for our service.
Tthere's no cost for our service.

If you like this video, please check out all of my other videos where I answer
If you like this video, please check out all of my other videos where I answer

just about every question out there about Medicare, Medicare Advantage Plans
just about every question out there about Medicare, Medicare Advantage Plans

and Medicare Supplement Plans.
and Medicare Supplement Plans.

Hit the thumbs up button and subscribe.
Hit the thumbs up button and subscribe.

We have a lot of new content coming out every day now to help you learn about
We have a lot of new content coming out every day now to help you learn about

Medicare.
Medicare.

So aside from having this conversation on the phone about seven or eight times
So aside from having this conversation on the phone about seven or eight times

a week, I also give talks at various senior organizations about two or three
a week, I also give talks at various senior organizations about two or three

times a month.
times a month.

And this is the topic that comes up number one, of course, how do you sign
And this is the topic that comes up number one, of course, how do you sign

up for Medicare?
up for Medicare?

Well, I always divide the group into two different people.
Well, I always divide the group into two different people.

And that is who is drawing a Social Security check, and who isn't?
And that is who is drawing a Social Security check, and who isn't?

There's two different ways to sign up.
There's two different ways to sign up.

Now, if you're drawing a social security check, piece of cake, you're going to be
Now, if you're drawing a social security check, piece of cake, you're going to be

automatically enrolled.
automatically enrolled.

You're going to get your Medicare card in the mail, and you will automatically
You're going to get your Medicare card in the mail, and you will automatically

be enrolled in Part A and Part B.
be enrolled in Part A and Part B.

However, if you are still working and drawing a Social Security check and you
However, if you are still working and drawing a Social Security check and you

have employer benefits, you will want to send the card back to them that option
have employer benefits, you will want to send the card back to them that option

out of Part B if your employer will continue to cover you.
out of Part B if your employer will continue to cover you.

And that way you're not paying for employer benefits and the Part B premium
And that way you're not paying for employer benefits and the Part B premium

which you will have to pay each month if you are drawing a check.
which you will have to pay each month if you are drawing a check.

Now if that is not an issue for you and you don't have employer benefits and
Now if that is not an issue for you and you don't have employer benefits and

you're drawing a social security check, you will automatically be enrolled in
you're drawing a social security check, you will automatically be enrolled in

both Part A and Part B.
both Part A and Part B.

And the Part B premium will be deducted out of your check each month.
And the Part B premium will be deducted out of your check each month.

Let me just cover what Part A and B actually are.
Let me just cover what Part A and B actually are.

That is what's called Original Medicare.
That is what's called Original Medicare.

That's sort of the hub of your coverage of everything.
That's sort of the hub of your coverage of everything.

Part A covers hospitalization, and Part B covers doctors services.
Part A covers hospitalization, and Part B covers doctors services.

Now, they do have gaps and expenses that you're still required to pay.
Now, they do have gaps and expenses that you're still required to pay.

And I'll get to those a little later in the video, because there's different
And I'll get to those a little later in the video, because there's different

coverages that can help you take care of that.
coverages that can help you take care of that.

But when it comes to Part A, there is no monthly premium.
But when it comes to Part A, there is no monthly premium.

I did mention the Part B premium, which I'll talk about, but Part A you pay for
I did mention the Part B premium, which I'll talk about, but Part A you pay for

through payroll taxes your whole life.
through payroll taxes your whole life.

See, the only people who are eligible to even get Medicare Part A and B are those
See, the only people who are eligible to even get Medicare Part A and B are those

who have worked at least 40 quarters, or about 10 years and paid into the
who have worked at least 40 quarters, or about 10 years and paid into the

Medicare system.
Medicare system.

During that time, you saw your paycheck and you saw that minus X amount of
During that time, you saw your paycheck and you saw that minus X amount of

dollars each week.
dollars each week.

That was them taking out for Medicare taxes basically, which paid for the Part
That was them taking out for Medicare taxes basically, which paid for the Part

A premium.
A premium.

Now a lot of people ask me, "Well, Russell, why isn't Part B free?" Which,
Now a lot of people ask me, "Well, Russell, why isn't Part B free?" Which,

Part A is technically not even free anyway; you just already paid for it.
Part A is technically not even free anyway; you just already paid for it.

Well, back when Medicare was created, they knew they had to give some sort of
Well, back when Medicare was created, they knew they had to give some sort of

benefits and take out for future enrollees, and their how much it would
benefits and take out for future enrollees, and their how much it would

cost.
cost.

However, they also knew that medical costs were on the rise, and they were
However, they also knew that medical costs were on the rise, and they were

going to continue to be on the rise, especially 50, 60 years later.
going to continue to be on the rise, especially 50, 60 years later.

So the Part B premium was something that you'd be required to pay when you first
So the Part B premium was something that you'd be required to pay when you first

became eligible for Medicare.
became eligible for Medicare.

And of course, it was going to be based on how much medical costs were at that
And of course, it was going to be based on how much medical costs were at that

particular year.
particular year.

So that's why the Part B premium is something you have to pay each month.
So that's why the Part B premium is something you have to pay each month.

And if you're drawing a check, it will come out of your Social Security check
And if you're drawing a check, it will come out of your Social Security check

each month.
each month.

Let's talk about if you're not drawing a check, though.
Let's talk about if you're not drawing a check, though.

So if you're not drawing a social security check, you won't be
So if you're not drawing a social security check, you won't be

automatically enrolled, you're going to have to either enroll online at
automatically enrolled, you're going to have to either enroll online at

socialsecurity.gov, call them.
socialsecurity.gov, call them.

And I'll put the phone number in the description or on the website below to
And I'll put the phone number in the description or on the website below to

give you that phone number where you can call, or you can go to your local Social
give you that phone number where you can call, or you can go to your local Social

Security Office.
Security Office.

Online, it's piece of cake. I would recommend doing that.
Online, it's piece of cake. I would recommend doing that.

I always like to eliminate...
I always like to eliminate...

I've never been to a Social Security Office.
I've never been to a Social Security Office.

But I can imagine it's kind of like the DMV.
But I can imagine it's kind of like the DMV.

I don't know, maybe I'm wrong.
I don't know, maybe I'm wrong.

But if you can do it online, boy, that's a winner right there.
But if you can do it online, boy, that's a winner right there.

Just go online, I'll put the URL, the link to it down below as well, where you
Just go online, I'll put the URL, the link to it down below as well, where you

can just enroll if you're not drawing a Social Security check.
can just enroll if you're not drawing a Social Security check.

Now if you are still working and getting employer benefits, the same thing
Now if you are still working and getting employer benefits, the same thing

applies as for those folks who are drawing a check.
applies as for those folks who are drawing a check.

You want to opt out, you want to tell Social Security that you don't want Part
You want to opt out, you want to tell Social Security that you don't want Part

B yet.
B yet.

You going to hold off.
You going to hold off.

For folks who don't have coverage, or you're on Cobra, and you don't have an
For folks who don't have coverage, or you're on Cobra, and you don't have an

employer coverage. Cobra doesn't count.
employer coverage. Cobra doesn't count.

You still need to enroll in Part B Medicare.
You still need to enroll in Part B Medicare.

If you don't within the allotted time period.
If you don't within the allotted time period.

You'll be assessed a penalty down the road.
You'll be assessed a penalty down the road.

Now, I mentioned Cobra doesn't count.
Now, I mentioned Cobra doesn't count.

Just because Cobra is an extension of your employer benefits, after eight
Just because Cobra is an extension of your employer benefits, after eight

months, it's no longer an extension in the eyes of Medicare.
months, it's no longer an extension in the eyes of Medicare.

And you will get the penalty if you wait eight months or longer to enroll in Part
And you will get the penalty if you wait eight months or longer to enroll in Part

B, so don't take that for granted.
B, so don't take that for granted.

A lot of people try and save money.
A lot of people try and save money.

I've had those calls, believe me.
I've had those calls, believe me.

People are in their 15th month of Cobra,coming up on the end of Cobra and
People are in their 15th month of Cobra,coming up on the end of Cobra and

say, "I want to enroll in Part B now, they're telling me I can't for some
say, "I want to enroll in Part B now, they're telling me I can't for some

reason. I wanted to save all that money that whole time."
reason. I wanted to save all that money that whole time."

Well, I don't know how they were saving money because Cobra is pretty expensive.
Well, I don't know how they were saving money because Cobra is pretty expensive.

However, Medicare has their rules.
However, Medicare has their rules.

So be sure once your employer coverage ends, you have 63 days to not have a
So be sure once your employer coverage ends, you have 63 days to not have a

penalty and enroll in that Part B.
penalty and enroll in that Part B.

But back to you folks who maybe still have employer coverage.
But back to you folks who maybe still have employer coverage.

That is what's called credible coverage.
That is what's called credible coverage.

They won't give you a penalty.
They won't give you a penalty.

You will have a special enrollment period when that coverage ends back to
You will have a special enrollment period when that coverage ends back to

Part B Medicare and then you can enroll.
Part B Medicare and then you can enroll.

Because you don't want to pay the Part B premium and your employer's premium.
Because you don't want to pay the Part B premium and your employer's premium.

And the coverage wouldn't work anyway.
And the coverage wouldn't work anyway.

You've got your employer premium or your employer coverage.
You've got your employer premium or your employer coverage.

Which is going to be your primary coverage.
Which is going to be your primary coverage.

However, when you're ready to go, you're ready to retire, like many folks I
However, when you're ready to go, you're ready to retire, like many folks I

talked to this week.
talked to this week.

You just enroll in Part B Medicare and it will begin on the first day of
You just enroll in Part B Medicare and it will begin on the first day of

the following month.
the following month.

Now Medicare in general, back to you folks turning 65, it's going to begin on
Now Medicare in general, back to you folks turning 65, it's going to begin on

the first day of the month you turn 65.
the first day of the month you turn 65.

What if you were born on the first day of the month?
What if you were born on the first day of the month?

Well, I do get that a lot, actually, more than I would ever think.
Well, I do get that a lot, actually, more than I would ever think.

You start your coverage the previous month.
You start your coverage the previous month.

So let's say your birthday is May 1.
So let's say your birthday is May 1.

Well, your coverage for Medicare doesn't begin May 1, it actually begins April 1.
Well, your coverage for Medicare doesn't begin May 1, it actually begins April 1.

Let's talk about the timeframe that you have to enroll.
Let's talk about the timeframe that you have to enroll.

Again, not you folks who are automatically enrolled, you got it made.
Again, not you folks who are automatically enrolled, you got it made.

They're just going to come in and sign you up.
They're just going to come in and sign you up.

Well, for anybody else, if you're not drawing the check, you have the month of
Well, for anybody else, if you're not drawing the check, you have the month of

your birthday to enroll.
your birthday to enroll.

Again, Medicare begins on the first day of the month, you turn 65.
Again, Medicare begins on the first day of the month, you turn 65.

You have three months prior to that, then you have the month of, and you have
You have three months prior to that, then you have the month of, and you have

three months beyond that, to enroll in Medicare.
three months beyond that, to enroll in Medicare.

This is called the initial enrollment period.
This is called the initial enrollment period.

And that is to get signed up with Medicare.
And that is to get signed up with Medicare.

Most people just do it three months prior.
Most people just do it three months prior.

Believe me you're going to be reminded with about, oh, I don't know, 50,000
Believe me you're going to be reminded with about, oh, I don't know, 50,000

pieces of mail saying, "Hey, it's time to come on Medicare, you know, call us."
pieces of mail saying, "Hey, it's time to come on Medicare, you know, call us."

However, you have three months prior.
However, you have three months prior.

Most people do it then so their coverage will just begin on the first of the
Most people do it then so their coverage will just begin on the first of the

month.
month.

Even if you're still working with employer coverage, that's okay.
Even if you're still working with employer coverage, that's okay.

Part A will be in place and Part B will be waiting for you when you get ready to
Part A will be in place and Part B will be waiting for you when you get ready to

retire.
retire.

So now that we know when to enroll in Part A and Part B depending on your own
So now that we know when to enroll in Part A and Part B depending on your own

current situation.
current situation.

Let's talk more about what they cover and what they don't cover.
Let's talk more about what they cover and what they don't cover.

Remember I mentioned those gaps or expenses in Medicare.
Remember I mentioned those gaps or expenses in Medicare.

Well, Part A and Part B Both have co-pays, co-insurance, and deductibles
Well, Part A and Part B Both have co-pays, co-insurance, and deductibles

that you are required to pay.
that you are required to pay.

They don't cover everything.
They don't cover everything.

So a lot of people will look at one of two options to help supplement that.
So a lot of people will look at one of two options to help supplement that.

The first option is a Medicare Advantage Plan.
The first option is a Medicare Advantage Plan.

Now, you may have seen about 10,000 commercials on TV, particularly for the
Now, you may have seen about 10,000 commercials on TV, particularly for the

month of October to the end of the year, which is the annual election period,
month of October to the end of the year, which is the annual election period,

which I'll talk about in a moment, of them pushing Medicare Advantage Plans,
which I'll talk about in a moment, of them pushing Medicare Advantage Plans,

and how great they are and zero premium.
and how great they are and zero premium.

Well, there's a lot of fine prints in that, believe me.
Well, there's a lot of fine prints in that, believe me.

They are not free if they mentioned 'zero premium,' believe me they're not
They are not free if they mentioned 'zero premium,' believe me they're not

free.
free.

Because we get the calls during October through the end of the year.
Because we get the calls during October through the end of the year.

People saying, "Russell, get me out of this plan; doesn't pay anything."
People saying, "Russell, get me out of this plan; doesn't pay anything."

But I'll talk about that again in a moment when I get to Medicare Supplement
But I'll talk about that again in a moment when I get to Medicare Supplement

Plans.
Plans.

However, Medicare Part A and B, they don't cover everything.
However, Medicare Part A and B, they don't cover everything.

Some people will opt out of Medicare to enroll in a Medicare Advantage Plan.
Some people will opt out of Medicare to enroll in a Medicare Advantage Plan.

By opt out I mean, you still have Part A and B technically, but they're no longer
By opt out I mean, you still have Part A and B technically, but they're no longer

providing your coverage.
providing your coverage.

A private insurance carrier will be insuring you.
A private insurance carrier will be insuring you.

It's a managed care plan.
It's a managed care plan.

And these are either HMOs or PPOs from many companies you've heard of - Humana.
And these are either HMOs or PPOs from many companies you've heard of - Humana.

And there's a number of different companies that offer these Medicare
And there's a number of different companies that offer these Medicare

Advantage Plans.
Advantage Plans.

Again, these are from the commercials, the one that says, "Zero premium, come
Again, these are from the commercials, the one that says, "Zero premium, come

on over."
on over."

Well, you still have to pay the Medicare Part B premium, even if you have an
Well, you still have to pay the Medicare Part B premium, even if you have an

Advantage Plan.
Advantage Plan.

So you opt out of Medicare Part A and B iand enolled in anAdvantage Plan, you
So you opt out of Medicare Part A and B iand enolled in anAdvantage Plan, you

still are going to pay the Medicare Part B premium.
still are going to pay the Medicare Part B premium.

So right there that's not free of course, you still have to pay for that.
So right there that's not free of course, you still have to pay for that.

And then there is the Advantage Plan.
And then there is the Advantage Plan.

Now, many of these Advantage Plans do include things like prescription drug
Now, many of these Advantage Plans do include things like prescription drug

coverage.
coverage.

Sometimes some hearing and dental, maybe discount on gym membership.
Sometimes some hearing and dental, maybe discount on gym membership.

They all have their variety.
They all have their variety.

You have to find a plan that's in your network though, in your area.
You have to find a plan that's in your network though, in your area.

HMOs, PPOs. They have a variety of different ones that are available.
HMOs, PPOs. They have a variety of different ones that are available.

You probably have a primary doctor and then the HMOs of course, you got to stay
You probably have a primary doctor and then the HMOs of course, you got to stay

within your network.
within your network.

PPOs, you have some additional options.
PPOs, you have some additional options.

One thing I do want to stress though, if you're traveling, you're outside your
One thing I do want to stress though, if you're traveling, you're outside your

network.
network.

Now, I have a lot of RV clients who are always outside their network, because
Now, I have a lot of RV clients who are always outside their network, because

they're never in the same place for a month at a time.
they're never in the same place for a month at a time.

Well, they don't go with a Medicare Advantage plan.
Well, they don't go with a Medicare Advantage plan.

They absolutely stay with Original Medicare and what I'm about to talk
They absolutely stay with Original Medicare and what I'm about to talk

about next, which is a Medicare Supplement Plan.
about next, which is a Medicare Supplement Plan.

So the Advantage Plans have their limitations.
So the Advantage Plans have their limitations.

Also, Medicare Advantage Plans are only required to cover as good a coverage as
Also, Medicare Advantage Plans are only required to cover as good a coverage as

Part A and Part B Medicare alone.
Part A and Part B Medicare alone.

Beyond that, they can pick and choose what they want to cover.
Beyond that, they can pick and choose what they want to cover.

So, they have their limitations and you might get additional out of pocket costs
So, they have their limitations and you might get additional out of pocket costs

or expenses up to a certain limit because they have their max out of
or expenses up to a certain limit because they have their max out of

pocket, which would be 5, 6,000 dollars, perhaps up to that limit, even on those
pocket, which would be 5, 6,000 dollars, perhaps up to that limit, even on those

zero premium plans.
zero premium plans.

This is why so many people are upset with those.
This is why so many people are upset with those.

And I can attest to that, because we get those phone calls.
And I can attest to that, because we get those phone calls.

So you got to read the fine print carefully.
So you got to read the fine print carefully.

You can always call us, and we'll discuss those with you in great detail
You can always call us, and we'll discuss those with you in great detail

to see if they're a good fit for you or not.
to see if they're a good fit for you or not.

However, what is a good fit for most people and what we have been selling for
However, what is a good fit for most people and what we have been selling for

the last 11 years with helping over 10,000 people, extremely satisfied
the last 11 years with helping over 10,000 people, extremely satisfied

people, with their coverage, is a Medicare Supplement Plan, also called
people, with their coverage, is a Medicare Supplement Plan, also called

Medigap.
Medigap.

Why is it called Medigap?
Why is it called Medigap?

Well, it helps pay the gaps or expenses in Part A and B Medicare.
Well, it helps pay the gaps or expenses in Part A and B Medicare.

Now, with these, you keep Part A and B Medicare.
Now, with these, you keep Part A and B Medicare.

Part A will cover hospital, and Part B will be doctor services.
Part A will cover hospital, and Part B will be doctor services.

So if you're going to use anything, hopefully it's just part B, that's for
So if you're going to use anything, hopefully it's just part B, that's for

your regular doctors, outpatient services.
your regular doctors, outpatient services.

Anything to do with your doctor or maybe a specialist that is an outpatient
Anything to do with your doctor or maybe a specialist that is an outpatient

procedure or diagnosis, any of that will fall under Part B Medicare.
procedure or diagnosis, any of that will fall under Part B Medicare.

Now, Medigap Plans, like I mentioned, help pay the gaps in both Part A and
Now, Medigap Plans, like I mentioned, help pay the gaps in both Part A and

Part B.
Part B.

Two of the most popular plans are Medicare Supplement Plan G and Medicare
Two of the most popular plans are Medicare Supplement Plan G and Medicare

Supplement Plan N.
Supplement Plan N.

Plan G, by far the most popular.
Plan G, by far the most popular.

This is because it has just one gap or expense that you have to pay,
This is because it has just one gap or expense that you have to pay,

Now ,of course, you'll pay a monthly premium for these plans just to have the
Now ,of course, you'll pay a monthly premium for these plans just to have the

plan.
plan.

Beyond that though, Plan G just has one out of pocket expense, and that is the
Beyond that though, Plan G just has one out of pocket expense, and that is the

Part B deductible.
Part B deductible.

Now a deductible, just in the plainest sense of the definition, is an amount of
Now a deductible, just in the plainest sense of the definition, is an amount of

money that you have to pay before insurance starts paying.
money that you have to pay before insurance starts paying.

Now, not everybody knows that so I did want to cover it.
Now, not everybody knows that so I did want to cover it.

In this case, the Part B deductible is a certain amount of money each year that
In this case, the Part B deductible is a certain amount of money each year that

you pay once per calendar year, and then Medicare will come in Part B and pay 80%
you pay once per calendar year, and then Medicare will come in Part B and pay 80%

of your medical bills.
of your medical bills.

Well, we're the year 2020 and that deductible amount is $198.
Well, we're the year 2020 and that deductible amount is $198.

If you have a Medicare Supplement Plan G, that is all you pay.
If you have a Medicare Supplement Plan G, that is all you pay.

You pay the Part B deductible, then for the rest of the year Medicare and the
You pay the Part B deductible, then for the rest of the year Medicare and the

Plan G will pick up all of your approved expenses, up to no limit.
Plan G will pick up all of your approved expenses, up to no limit.

They'll pay them 100% for the rest of the calendar year.
They'll pay them 100% for the rest of the calendar year.

It's absolutely fantastic coverage.
It's absolutely fantastic coverage.

And then there's a Medicare Plan N, very similar to G, but those are the two most
And then there's a Medicare Plan N, very similar to G, but those are the two most

popular plans.
popular plans.

And Plan N, you also pay that Part B deductible.
And Plan N, you also pay that Part B deductible.

However, it's got lower premiums than Plan G.
However, it's got lower premiums than Plan G.

Sometimes 20 to 30 dollars or more lower.
Sometimes 20 to 30 dollars or more lower.

However, you don't get the same coverage as Plan G.
However, you don't get the same coverage as Plan G.

In addition, in exchange for those lower premiums, you have some additional
In addition, in exchange for those lower premiums, you have some additional

out-of-pocket expenses that you can incur.
out-of-pocket expenses that you can incur.

So if you're healthy, you don't go to the doctor a lot, but you know, you need
So if you're healthy, you don't go to the doctor a lot, but you know, you need

great coverage and you don't want to network like an Advantage Plan.
great coverage and you don't want to network like an Advantage Plan.

You want the flexibility of going to see the best doctors in the country, and the
You want the flexibility of going to see the best doctors in the country, and the

ones that take Medicare, a Supplement Plan N is a great, great option.
ones that take Medicare, a Supplement Plan N is a great, great option.

I've got my own mom on Plan N. She absolutely loves it.
I've got my own mom on Plan N. She absolutely loves it.

Now, some other things on Plan N that could come up, though.
Now, some other things on Plan N that could come up, though.

You pay the Part B deductible just like Plan G.
You pay the Part B deductible just like Plan G.

After you meet that though, on Plan N, you might have up to a $20 co-pay per
After you meet that though, on Plan N, you might have up to a $20 co-pay per

doctor's visit.
doctor's visit.

Now, it could be no co-pay, or it could be just amount somewhere in between zero
Now, it could be no co-pay, or it could be just amount somewhere in between zero

and $20.
and $20.

But it will never be more than 20.
But it will never be more than 20.

As well on Plan N, if you visit the emergency room and you're not admitted,
As well on Plan N, if you visit the emergency room and you're not admitted,

there's a $50 co-pay.
there's a $50 co-pay.

And Plan N also doesn't cover what's called Part B Excess Charges.
And Plan N also doesn't cover what's called Part B Excess Charges.

This means if you go see a doctor that doesn't take the assigned rates for
This means if you go see a doctor that doesn't take the assigned rates for

Medicare, also called assignment, which is very rare most doctors do, they could
Medicare, also called assignment, which is very rare most doctors do, they could

charge a small percentage extra and you would have to pay that.
charge a small percentage extra and you would have to pay that.

I've never had a client in 11 years tell me they've ever gotten an excess charge.
I've never had a client in 11 years tell me they've ever gotten an excess charge.

And we put a lot of people on Plan N and they absolutely love it.
And we put a lot of people on Plan N and they absolutely love it.

However, to compare the two, we can help you do that.
However, to compare the two, we can help you do that.

And you can do that by going to Medisupps.com, where you can get free
And you can do that by going to Medisupps.com, where you can get free

online rates.
online rates.

I'm one of the few sites out there that actually shows you rates.
I'm one of the few sites out there that actually shows you rates.

Or the easiest way is just to give us a call, and that is 1-888-891-0229.
Or the easiest way is just to give us a call, and that is 1-888-891-0229.

In a matter of just five minutes, I can show you all the different rates, the
In a matter of just five minutes, I can show you all the different rates, the

best companies and plans in your area.
best companies and plans in your area.

We help you not just get the lowest premium when you start, but for years to
We help you not just get the lowest premium when you start, but for years to

come, because everybody has a rate increase every year.
come, because everybody has a rate increase every year.

And when you get that, we'll shop the rates again and see if there's a better
And when you get that, we'll shop the rates again and see if there's a better

option for you.
option for you.

Now, the last thing I didn't discuss, which is part of the Original Medicare
Now, the last thing I didn't discuss, which is part of the Original Medicare

sort of a combo of parts is a Medicare Part D drug plan.
sort of a combo of parts is a Medicare Part D drug plan.

Now, Medicare Advantage Plans, if you do opt out of Medicare, some of them, most
Now, Medicare Advantage Plans, if you do opt out of Medicare, some of them, most

of them actually include Part D drug coverage in them.
of them actually include Part D drug coverage in them.

It's not necessarily the best thing, you're stuck with that drug coverage,
It's not necessarily the best thing, you're stuck with that drug coverage,

which may or may not be able to get your own personal prescriptions for the best
which may or may not be able to get your own personal prescriptions for the best

amount.
amount.

However, Part D drug plans, if you're on their Original Medicare A and B and a
However, Part D drug plans, if you're on their Original Medicare A and B and a

Medigap Plan, you can add a Part D drug plan to that.
Medigap Plan, you can add a Part D drug plan to that.

Now, there's various drug plan companies out there, and they all charge different
Now, there's various drug plan companies out there, and they all charge different

premiums and have different what are called formularies where they get your
premiums and have different what are called formularies where they get your

prescriptions for different rates.
prescriptions for different rates.

We can help with that.
We can help with that.

We don't sell these plans.
We don't sell these plans.

We make sure all of our clients get on with the right option, because there are
We make sure all of our clients get on with the right option, because there are

so many different options with a Part D drug plan.
so many different options with a Part D drug plan.

Again, this is mostly going to be for people who keep Part A and B Medicare.
Again, this is mostly going to be for people who keep Part A and B Medicare.

And then they also have a Medigap Plan and they'll add a prescription drug plan
And then they also have a Medigap Plan and they'll add a prescription drug plan

to it.
to it.

So hopefully by now with this long, extensive video, you know how to sign up
So hopefully by now with this long, extensive video, you know how to sign up

for Medicare.
for Medicare.

Give us a call if you do have trouble though, with that.
Give us a call if you do have trouble though, with that.

But definitely give us a call to help shop these plans for you.
But definitely give us a call to help shop these plans for you.

We can find you the best options.
We can find you the best options.

Even if it's an Advantage Plan, or the Medigap Plans, we'll get you in the
Even if it's an Advantage Plan, or the Medigap Plans, we'll get you in the

right direction.
right direction.

Our service is entirely free, doesn't cost you anything.
Our service is entirely free, doesn't cost you anything.

But having done this 11 years, helping over 10,000 people with their coverage,
But having done this 11 years, helping over 10,000 people with their coverage,

very satisfied clients.
very satisfied clients.

We love helping people and saving them money.
We love helping people and saving them money.

Again, my name is Russell Noga with Medisupps.com.
Again, my name is Russell Noga with Medisupps.com.

And we look forward to speaking with you soon.
And we look forward to speaking with you soon.