Quote:
Originally Posted by villagetinker
is ADVANTAGE plans tend to have limitations unless you go for a top tier coverage, Medicare does not have these limitations.
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By law all Medicare Advantage plans cover all the medical services that Regular Medicare does and gives you the same rights and protections that Regular Medicare does. Almost all Advantage provide additional services that regular Medicare does not.
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However Advantage plans typically, but not always, have a limited list of providers to choose from, but here in Florida it's a pretty big list. If you need a procedure that is only available from a provider outside that list, the plan must make that provider available to you... that's happened to my wife once and it was no big deal to use the provider she needed. In fact one time she went to a provider outside of the plan just because it was more convenient just by asking without any hassle.
Even so Advantage isn't for everyone for many reasons. It's a good idea to get info about Advantage vs. Regular from as many sources as you can, including Shine and agents that sell Medicare, and the Villages Health (even though the agents an TVH are, in effect, trying to sell you something) and anywhere else you can find.
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