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Originally Posted by DAVES
I totally agree. When it is paid for by insurance or medicare/medicare. If, you ask if there is a less expensive option, the doctor will look at you like you are nuts. Years ago when I was on company paid health insurance, I had a doctor directly say to me,"What do you care, your insurance will pay for it." No matter what is done, medical care is a mess. Insurance company or medicare/medicaid the one paying the bill decides what care you will get.
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In a nut shell, If you are always in great health, the Medicare Advantage plans look so attractive, and you get all kinds of stuff for free and added to your SS check etc.
But if you are sickly or don't want to be going through buyers remorse when something is not covered or you didn't get approval, We went for standard Medicare and BC/BS supplement with a D Prescription plan with Wellcare for $12 a months for the stuff we take, and it's like 15 prescriptions.
The ads are misleading and make it sound like a no-brainer. Use the references on this post to get advice. You never know when you will be real sick.