Not exactly correct when you say that “it has to do with who picks up the difference”. If you select a MA plan, Medicare is no longer involved in your healthcare. Your MA plan, and you, are responsible for all the costs. Medicare, with the exception of you still having to pay the Part B premium, is out of the picture.
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Originally Posted by BrianL99
That will depend on which BC/BS plan you have. BC/BS offers a Medicare Advantage Plan in most states. I believe Florida Blue offers an Advantage plan.
The issue has nothing to do with Medicare being your primary insurer. It has to do with who picks up the difference. Your choice is Medicare Supplemental or Medicare Advantage. Think of it as an HMO vs PPO.
If you want to use The Villages health care system, you generally can't do it, unless you have one of their preferred Advantage Plans. I wouldn't concern yourself with being denied medical care by The Villages healthcare system ... it's atrocious. Look up reviews on the hospital or the other providers. I wouldn't go to them with a hangnail.
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