Quote:
Originally Posted by bowlingal
Do not get an advantage plan. If you are a snowbird, you only get emergency coverage when you go back home. not for your primary doc. In addition, only certain dentists, eye docs accept it and may not have an office near you and if you find they are not up to your standards, you are screwed. My premiums for the year for supplemental is cheaper than an advantage plan and I don't have any deductible, co-pay, and no referrals and is accepted everywhere. In case of emergency, you may have to pay a lot for coverage and I would rather have peace of mind knowing I am 100% covered. They make these advantage plans sound so good, but in reality they are not. Go speak with the people at SHINE for honest information, NOT an insurance agent. For UHC I pay $192/month about $2400/year. What is your deductible and add in co-pays and referrals needed? Think about it. Well worth it for peace of mind.
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You paid $2400? I paid $183 out of pocket last year. Explain how that is cheaper. Not all MA plans are the same. I have worldwide emergency care. Referrals? Why is that such a big deal? If my PCP recommends a specialist for an issue, that saves me time trying to find someone qualified.