Quote:
Originally Posted by golfing eagles
Wasn't trying to "dis" you at all, and I'm certainly not trying to put anyone "in their place". I thought you had very valid points on privatization. And you may very well know more about the stock market than I do. I poorly worded the concept that a stock price and company policy often does not correlate. Sorry.
My main point was really that people need to get first hand info---the ideas about the UHC MA plan floating around on this thread range from incorrect to bizarre.
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1. The Villages United Healthcare Advantage Plan is best for younger healthy seniors. The docs associated with The Village Healthcare system want to practice preventive medicine. Just read the material in the local paper every Sunday and that will tell what they are emphasizing.
2. Once you are in an Advantage plan the insurance company has the opportunity once a year to change the provider network and thus exclude access to expensive specialized care. The decisions to do this will be governed by the overall profits being generated under the plan.
3. If you get seriously ill and need very specialized services outside the Advantage provider network and as a result need to change back to Medicare and a Supplement policy, coverage can be denied and/or re-priced. If re-priced, the premium is whatever the for-profit insurer decides to charge. Whether you can afford it or not is not an issue.
4.No one in The Villages is getting any younger. All of us our going to pass on to join our ancestors. When we do from a medical perspective it will probably be something quite medically expensive to deal with that kills us.
5. The Villages Healthcare Advantage Plan is provided by the largest for-profit insurance company in the United States. The people that run it are not dumb and will do whatever is necessary in the future to assure its continued profitability including restrictions to network access if it such a change is needed.
6.Your red, white and blue Medicare Card and a Supplement policy to go with it are equal in value to a vault filled with gold bars when you are seriously ill. Some day, no matter what you do from a preventative standpoint, you are going to be seriously ill.
7. A lot of people are risk takers and prefer to put every available savings in their pockets when available. That is fine, but the old adage of penny wise and pound foolish might have some application when evaluating Medicare Advantage Plans.