Name: Medicare Cheat Sheet: Getting Started
Uploaded: 2020-09-21T10:01:48-0400
Duration: 332802
Description: There are several parts of Medicare (A, B D). We take a look at what each covers in this video.

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There are several parts of Medicare (A, B D). We take a look at what each covers in this video.

thank you. Welcome, folks, to the Medicare Cheat Sheet Guide. Siri's. Greg, we've got a great box set for folks that are watching this. We've got a guidebook that goes along with this, but I thought would be a good job. A good time to put together a little video and talk about the five very important segments inside this Cici, By the way, Greg, Barry and folks, Coach Pete here. Greg, Let's talk about a B and D. What does that mean in the Medicare world? Alphabet soup, man, it sounds like it's Ah, it's probably one of the most confusing components of Medicare. Uh, first of all, uh, your part? A. That is the part that covers your hospital, and that is free. For the most part, most people have that for free, and then the second part is your part B that's considered original Medicare. And this year it's $144.60 for the part B per day, no for for the whole per month promote. That's that's how much that's for doctors, and that should cover. What does it cover up to certain? Max. 80 coder. It covers 80% of your doctors eighties. Okay, 80%. 80%. What about the other 20%? It's up to you. And that's why we talk about Medicare supplement. This is why this is where we're going the educational right now. Just what is Medicare? What does it cover? So a B what about D? And then D is the pharmacy play That's a drug, otherwise drug plan. You know the fear. Don't hold these to call it. Oh, yeah, One of things I've seen. If you don't, if you don't apply right away, you could be penalized for all the months you should have applied before. Absolutely. That gets a lot of people in trouble sometimes, especially the part being the party. There could be some some significant penalties. And here's the thing, Coach, if you don't, If you have that penalty when you're 65 years old, 70 years old, that states for you for the rest of your life. Okay, so it's a lifetime penalty. Lifetime penalty and sort of like a marriage ago that went wrong. Okay, A radio address, my little said, My little drum thing. My little drum. The thing that gives it like comedian uses, but all of that. Alright, so let's talk about costs. What it costs of each one a B N D. Well, of course, the A is free. For the most part, most people don't pay anything, and then you're be actually is interesting. It starts off. Most people pay $144.60. However, the more money that you make. For instance, if you make more than $500 a year, it'll be like over $400 a month. You get penalized for making more. They call this means testing. Before that, when you hear this word here Congress talking about means testing. It's very mean, but they make more people. If you make more money, you pay more money. Exactly, they can afford it. You know, maybe you can maybe can't, but that this goes against what I believe in capitalism. I think everyone should should not be penalized. But if that's this way, this so we play the rules by the way they are. All right, so the penalties, let's talk about penalties Now. We talked about the D. We'll talk about a little bit more about that. Are there any penalties for not starting A and B B B, Not not the egg. So what are the penalties there? Well, they're actually, they're factored in by the federal government. Believe it or not. Believe it or not, it's a complicated formula. Yeah, I believe it. And so we we don't ever quote penalty. We just notify our clients that Yes, if you do have an issue, there will be a So what does the penalties? What causes the penalties? Just not filing on time or applying on time or not applying on time. If you don't have some sort of creditable coverage and even that you have to be careful. For instance, if you have a now outside insurance company that's provided not by a company with 20 or more employees, you could still get that penalty. So you gotta be really, really careful. Okay, So a lot of rules they need to follow. So if you're watching there, you really need a guide to make sure that navigate through this now the donut hole or the d the D penalty, the penalty on the drug coverage of the drug plan. Let's go about that. What are some of the the very important topics of people watching can can avoid doing to make sure they don't fall into that trap. Well, most people, when they when they start their playing, what they do is they. They're paying copays. And, of course, it's tier tier one through five on the medications, the more expensive ones. They all count towards that doughnut hole that dreaded donut hole. Once you hit that, what happens is your coverage goes down dramatically once. Also, when you when you get through the donut hole, it comes right back again for you. So the D plan. What does it cover? If you get in on time and you do the right things, how much of the drug coverage does it cover? How much? How much does that? There's drugs? Does it cover it? Well, it depends. It depends on the drugs. First of all, let's say you're like, Let's say you take a typical Staten, you know, like for high blood pressure. It's almost free. It's It's a very, very generic drug. But then there's some drugs I have run, Coach, Believe it or not, I ran. I ran a case for a client, and they had very expensive medications tier five medications and depending on the company we went with his annual premium on his medication went from 6000 2. 50,000. So it makes a big difference on who you pick supplement wise. We're gonna talk about that on the next year again on the Medicare cheat sheet, and I hope you're enjoying it. So far, we come back, we're gonna talk about the different options of supplements out there. Then later on, we're gonna talk about Medicare advantage. If that's the right. If that makes sense, we're gonna combine everything later on. This a five part series, number number one.

Medicare Cheat Sheet: Getting Started

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WRAL-TV News Broadcasts: Watch each newscast live or watch the most recent newscast on demand.

WRAL Late News 

Get the latest WRAL WeatherCenter Forecast whenever you need it, including the DUALDoppler5000 and the 7-Day Forecast.

I'm meteorologist K Campbell in the wr a severe weather center starting a new week on Monday. So here's what to expect as you gear up for the new week. Rain chances will be climbing, especially Tuesday and Wednesday. We are going to get a nice little break from the heat this week. So enjoy the spring like weather while it's here with us no more nineties on our seven day forecast, I would say the best days to be out and about do anything outside look like they're gonna be on Monday and Thursday of this week. So here's this set up. We've got a lot of moisture and rain falling in parts of Texas, Louisiana, Arkansas. Right now, we're going to see all the moisture from this system and some of the energy make it to North Carolina starting Monday night, Monday during the day, things should be dry. We've got this area of high pressure overhead but we will begin to see an increase in cloud cover throughout the day. And then late Monday night, we'll see a warm front lift through the area that could generate some spotty light showers overnight into Tuesday. And then during the day. Tuesday, we've got more lift in the atmosphere. It's a cloudy day, a much cooler day and we should see rain on and off throughout the day. But rain is likely you'll at least get a period of rain. Tuesday. More than likely it's, there should still be some breaks in the rain at least. And then some thunderstorms could be mixed in as well. This is as far out as that high resolution model goes right now, but we've got a nice break from the heat coming our way. 79 is our normal high. This time of year, we're going to be near or slightly above normal most days. The exception is Tuesday with the highest rain chances, temperatures will be a little cooler just 73 for the high tonight. It's a cool night, really, comfortably cool. Enjoy it while you can. It's probably one of our last ones of the season. Upper forties to lower fifties across the area tonight. 50 Raleigh 49 in Rocky Mount. And for your Monday forecasts, ties are in the upper seventies for Roxboro and South Hill. 81. The high in Durham, Raleigh Rocky Mountain, Southern Pines, 82 degrees in Fayetteville and Goldsboro. Your seven day forecast looking pretty nice. But we've got rain chances coming our way Tuesday and we'll see some scattered storms on Wednesday as well. It's about a 60% chance Wednesday, but an 80% chance Tuesday, Thursday, rain chances are lower at just 20%. 82 degrees and partly cloudy Friday late in the day into Saturday, we could see some scattered storms move in. Not looking like a washout though. It does look like we'll have a drier into next weekend. 84 partly cloudy next Sunday.

WRAL WeatherCenter Forecast

Nightly N.C. Education Lottery drawings during the 11 p.m. News.

Good evening, Darren vaught here with tonight's drawings for Sunday. May 12th, 2024. Let's get started as always with Carolina pick three where the first winning number is nine. The second is one and the third is five and our pick three. Fireball number is three. Joining me for tonight's drawing is our auditor from mcconnell and Jones L LP. We move along to Carolina pick four. The first pick four, number is six. The second is five. The third, also five in the fourth is four. And our pick four. Fireball number tonight is, is, where is it there? It is. It's seven turning now to the Carolina cash five. If no one wins the top prize tonight, tomorrow's top prize is estimated at $997,000. It's getting up there. Good luck. The first cash five is 28. The second is 32 the 3rd 26. The 4th 10 in the fifth and final number tonight is a 13 over the past 16 years. The lottery has contributed over $10 billion to education. Thanks for playing

Evening Pick 3 Pick 4 and Cash 5

Daytime Pick 3 and Pick 4 drawings are held at 3 p.m. daily. They can be seen as live or on-demand video.

Good afternoon. I'm back. Global. Welcome to this afternoon's drawings for Sunday. May 1220 24. Let's get started with Carolina pick three. The first pick three number is five. The second is three. The third is two and our pick three fireball number is nine. Joining me for this drawing is our auditor for the Connell and Jones L LP. Now move on to Carolina pick for the first four. Number is one. The second is three. The third is zero. The fourth is five and our pick four. Fireball number is seven. The North Carolina education lottery has contributed over $10 billion to education. Thanks for your support and thanks for playing.

Daytime Pick 3 and Pick 4 Drawing

On Sunday morning Duke University will award nearly 7,000 graduates during its annual commencement ceremony. Legendary comedian Jerry Seinfeld, father of a current Duke student, will be the commencement speaker. 

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Yeah, welcome to Duke University's 2024 commencement ceremony. Please direct your attention to the end of the field and welcome the Duke University class of 2024. Now entering the stadium and throughout the processional march are the candidates for degrees from Trinity College of Arts and Sciences entering. Now are the candidates from the Pratt School of Engineering? Next, please welcome the candidates from the Sanford School of Public Policy. Now, the candidates from the Nicholas School of the Environment currently entering the stadium are the candidates from the Fuqua School of Business entering. Now are the candidates from the School of Nursing? Welcome the candidates from the Divinity School currently entering are the candidates from the School of law. Please welcome the candidates from the School of Medicine. Now, entering are the candidates from the graduate school.

Jerry Seinfield to speak to nearly 7,000 graduates at Duke commencement ceremony

Monday, Wednesday, and Saturday Powerball drawings, as shown live on WRAL.

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Powerball Drawing

The University of North Carolina at Chapel Hill is holding its 2024 graduation ceremony Saturday evening. 

Medicare Cheat Sheet: Getting Started

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