Quote:
Originally Posted by rivaridger1
It strikes me you best think twice about giving up any of the Medicare Supplement Plans, particularly Plan F, in favor of an Advantage Plan. My understanding is once you do, if you can't answer a number of health questions positively, if you have to reapply for a Medicare Supplement because your Advantage Plan becomes too restrictive or expensive , you are out, and can't get back in to the Supplement system. Your red, white and blue Medicare card and the associated right to buy a Medicare Supplement Plan is " gold " in the event of serious illness; and contrary to what is said about the Advantage Plans, there is nothing of value in life which is " free ". This is my understanding of the way the Medicare system works and I do ask if there are any experts out there who know differently, that they please correct this post.
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You are exactly correct. I was an outpatient precertification nurse for UHC in Ohio in the mid-90's when their Medicare Advantage plan came out. Those salespersons' cubicles were one row over from mine and I could overhear what they would tell older folks. I wanted to shout "Don't believe them!" when they were espousing the great benefits of their plans. The poor people didn't know that UHC could deny benefits (d/t lack of medical necessity, according to them) that they would have under regular Medicare.