Quote:
Originally Posted by Wandatime
All I can tell you people is to read the schedule of benefits for both plans! If we had a Medicare Advantage plan when Sheldon was going through his cancer treatments we would be living under a bridge about now. Medicare Advantage may be great when you are relatively healthy but I guarantee it is not so great if you have get seriously or chronically ill.
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I'm not an insurance expert. My understanding is that the only way you end up responsible for more than the $4400 out of pocket max under their MA plan is if you go out of network. Even then, if someone needs a service that is not available at all in network, they will approve out of network coverage. I'm sure you are happy with the cancer specialist/hospital Sheldon chose, but would your choice be to go out of network if you had an MA plan?
The reason I ask, is that the biggest criticism of the decision by TVH to take only TV UHC MA plan is the restriction to in-network specialists