WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial,
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legal counseling, professional service, or any advice.
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You should seek the services.
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Of competent professionals before applying or trying any suggested ideas.
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Attention to individuals, families and caregivers. It's Medicare Hour and
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More with Peter right here on k for HD Radio.
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This is the podcast for all types of intro solutions
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while specializing in Medicare because we Medicare. Here's your host,
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Peter R.
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Joseph. Good morning, good morning, good morning, Welcome to our show.
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This is episode twelve. Yes we are okay, sorry about that, guys.
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All right, so all new technology right now. We're actually
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recording this because my family and I are going to
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be away for three weeks on a family vacation. We're
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taking the RV trip to Yellowstone. We'll be going through
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Zion National Park, a couple other national parks, Idaho Falls,
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so we're very excited. It should be a lot of fun.
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First time driving the UR so wish me luck. Let's
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hope I don't crash this thing anyways. This is Medicare
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Hour and More with myself Peter Joseph as your host.
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You can find us live on K four HD Radio.
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You can download that app. You can also find us
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live on Facebook Joseph Insurance Broker, LLC, as well as
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YouTube at Medicare at Minute with Peter. That is our
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channel again, that's at Medicare Minute with Peter. So we'll
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see how this works. We're going to do a couple
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things this morning. We're actually going to show a clip
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on how to apply for Medicare through Social Security So
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you know, it's not very complicated, but you do have
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to be somewhat tech savvy. You do have to have
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a email address that's active as well as a cell
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phone number because they are doing that two factor authentication
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just like everyone else seems to be doing these days.
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But we're gonna walk you through that. You just create
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an account through SSA dot gov. When that time is
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ready to get onto Medicare and you're turning sixty five
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or you're retiring, you create an account and then you're
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gonna sign up for Medicare. Part B as in boy
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through that system. So let's see how this is gonna work.
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All Right's see if I can find the right video here,
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and you can actually find this video on our YouTube channel.
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Here we go.
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To create your personal my Social Security account with the
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login dot gov account, go to SSA dot gov and
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select sign in on the sign in or create an
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account screen, select create an account with login dot gov.
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You will be redirected to a lot log in dot
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gov sign in page. Select the create an account button.
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Enter your personal email address, select your email language preference.
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Once you've read the log in dot gov rules of use,
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check the box and select submit. Next, check for an
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email from login dot gov at the email address you provided,
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Open the email and click confirm email address. You will
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be redirected to the log in dot gov website. Here
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you'll create a log in dot gov password. Passwords must
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be twelve characters or longer and include a combination of
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uppercase and lowercase letters, numbers, and special characters. Follow these
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steps to create a strong password to prevent scammers from
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guessing it, use a unique phrase that only you recognize
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and is easy to remember. You can use more than
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one word and add spaces between words, add numbers, and
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special characters that are not your birth date are common
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sequences like one, two, three, four. Make this password unique
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from the other passwords you use frequently, like your bank
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account or email password. Now that you've created a strong
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password to protect your account, let's set up your multi
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factor authentication commonly known as MFA. MFA is an extra
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layer of protection for your account that helps us make
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sure that it's actually you accessing your account and not
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someone pretending to be you. You can set up your
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account with several MFA methods. We encourage you to choose
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at least two of the most secure methods that you
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know you'll be able to use. If you lose these methods,
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you'll have to create a new account. Many people choose
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the text message option. More secure options you can choose
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from include an authentication app, security key, PIVE or cat
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card if you're a federal employee, and face or touch
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unlocked features. A phone call to your landline phone or
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backup codes are also available. Put are less secure options. Now,
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you will verify your identity for SSAY. This helps to
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protect your identity and prevent scammers from unauthorized access to
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your information. To verify your identity. You will need a
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driver's license or state issued ID, your social Security number,
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a US phone number on a plan that's in your name,
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and the ability to re enter your login dot gov password.
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We will use this personal information to verify your identity
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against public records. Check the box to allow login dot
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gov to use your personal information to verify your identity,
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so lect continue to continue the process. You can choose
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how you would like to verify your ID. Select continue
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on your phone for the online option, or continue in
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person to visit a participating US post office to verify
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your ID. In this video, we will follow the online process.
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Enter your mobile phone number and select the send link
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button to receive a text message to continue the process.
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Once you receive the text message from login dot gov,
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select the link to continue the process. On your mobile phone,
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select the take photo buttons to take photos of each
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side of your ID. Here are some tips for taking
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your photos. Make sure your ID, especially the barcode, is
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clean and undamaged. Prop your IDA up against a solid
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dark background. Turn off your camera's flash and live photo function.
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Make sure there are no glares or shadows, and that
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you're capturing the entire ID hold your phone as still
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as you can while you take the photos. Try to
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hold your breath for each moment you take the photo.
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After you take the photos of your ID, select the
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continue button. Select the take photo button to take a
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photo of your face. Here's some tips for taking your photo.
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Remove any items covering your face, keep your expression neutral,
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and make sure that your whole face is visible within
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the green circle so that your photo will be automatically captured.
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Make sure there are no glares or shadows. Hold your
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phone as still as you can while you take the photos.
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Try to hold your breath for each moment you take
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the photo. Once your idea is verified, return to your
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original browser. You will be informed if you need to
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retake your photos. Next, enter your social security number and
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select continue. You will be asked to verify the information
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you have provided. If correct, select submit. Enter your phone
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number that is associated with your bare information, and select
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how you would like to receive a one time code OTC.
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Select send code. You will receive a text message or
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a phone call from login dot gov containing the OTC.
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Enter the code and re enter your login dot gov password.
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Once you have verified your identity and re entered your password, correctly.
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You will be asked to save your personal key. You'll
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need your personal key if you ever forget your password,
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keep it safe and do not share it with anyone.
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Check the I saved my personal key in a safe
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place box and select continue, connect your verified information to
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SSA and agree to the Privacy Act statement in terms
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of service. Congratulations, you now have access to your Social
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Security account information.
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Okay, So that is a good synopsis video of how
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you can apply and create your Social Security count on
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a ssay dot gov. That video is available on our
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YouTube channel. So I will show you that in just
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a second here. But you know, the most important thing
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is you could see that there's a lot of technology
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behind it. Multi factor authentication, two factor authentication, so you
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have to have an email and a cell phone number,
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and then you have to have a backup in case
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you lose your passwords. So once you have it set up, though,
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it's easy to get back into it. And on that
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screen is going to have a place a blue button
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where you can apply for Medicare part b oh right.
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So I definitely wanted to bring that to your attention,
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and as we've been talking about that for the last
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few weeks, and that video really shows it accurately, and
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you know it's easier to see images to the words
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that we're speaking, so hopefully that will be helpful to
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you guys. And today's episode of Medicare Hour and More
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is brought to you by our valued show sponsors and
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community partners. We're grateful for the businesses and professionals who
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support education and help bring helpful resources to our listeners
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each week. We've got quite a few sponsors. A Central
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Engine Everything, Senior Insurance, it's an FMO lead, Heroes is
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a lead company for Final Expense and Medicare leads. And
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we're also sponsored by Johnny Alagna, realtor out here in
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southern California, Alana Scholfield, who is a CEO and medicare
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agency owner out in Connecticut on the East Coast and
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can find her on one of our episodes as well. Again,
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we are so thankful for all our sponsors. We wouldn't
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be here today, we wouldn't be able to do these
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shows without them, So shout out to all you guys.
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Thank you so much. So we want to welcome everybody
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to our Medicare Hour with myself. I'm your host, owner
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of Joseph Insurance BROKERLLC. We've been around for almost ten
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years now. We help individuals, families, and small businesses navigate medicare,
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health insurance, life insurance, and business insurance, as well as
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retirement planning solutions. So we try to be your one
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stop shop so that you know you can trust us
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with all the products. We do specialize in Medicare, but again,
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I actually used to work for Farmers Insurance, so I
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know quite a bit about the P and C area
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like home and auto. So if you guys ever need
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help with all of that, you know, just reach out
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to us and we will definitely be able to help
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you out. So live from southern California, I'm reaching listeners everywhere.
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This is Medicare, our Peter, helping you make smarter Medicare
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decisions with confidence. Again, I'm your host, and we're breaking
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down one of the most confusing parts of Medicare today,
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Medicare supplement plans also known as medigap plans. We'll explain
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what Plan G is, what Plan N is, Does Plan
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F even still exist? What is Plan A? What is
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Plan K. There's so many different letters. I know, it's
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just confusing. So but we are diving into the supplement
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side of things. We've spent a lot of time on
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the Medicare advantage side, just to recap you know, that
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is a network point of view things With a supplement,
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you're not in a network. It's kind of a known
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network plan. You don't need authorizations to see any doctors
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or specialists who take Medicare as payment. And that's about
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ninety eight percent of the country. So that is why
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people like the supplement. We're oute, but we're going to
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talk about how expensive it can get, especially the older
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you get. All right, So just so you know, and
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if you've been listening in the last few episodes, Original
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Medicare does leave gaps. When you turn sixty five and
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you get onto Original Medicare, what happens is that covers
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eighty percent of your cost. Well, what happens to the
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other twenty percent, Well, you're responsible for it, and there's
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no ceiling on that. So people sign up for supplements
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and advantage plans because they want that twenty percent covered.
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If you just on Original Medicare with a Part D
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plan for your prescription drugs, well, lo and behold. If
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something God forbid happens to you, guys, and you're in
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the hospital for months on end, you're getting cancer treatments,
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whatever the case may be, you're going to be responsible
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for twenty percent of those costs. So we want to
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make sure that you're covered fully head to toe. There
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are other products out there that can help. They're called
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necessary products for cancer policies or heart disease policies, and
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we'll talk about that another time. Right now, I just
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want to focus you guys in on the supplement side
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of things, all right, So what does metagap mean. Well,
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medic gap or supplement, Medicare supplement is the same thing.
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They're interchangeable words. They're private insurance paired with original Medicare,
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their standardizedized by the federal government, and it's the same
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benefits across the board no matter which carrier you go with.
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It's all about the rates competing against one another. But
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if you do United Healthcare or you do Anthem Blue Cross,
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you're going to have the same exact benefits if you
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have that same letter. So if you have Plan g
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plang's the same with Unite Healthcare as it is with
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Anthem Blue Cross, So just keep that in mind as well.
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So why do some retirees feel shocked after realizing Medicare
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doesn't actually cover one hundred percent of their medical bills.
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You know, it's because we all think we pay into
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substantially into Medicare comes out of our paychecks. If you're
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a ten ninety nine, obviously you have to pay Medicare
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tax bill and it is substantial. Well, you think paying
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for all those years that Medicare would be free, and
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that's not free. And not only is it not free,
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it doesn't cover all your costs. So you got to