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Originally Posted by Happydaz
I have been researching different Medicare health plans. I currently have traditional Medicare and a supplement plan. I have looked at the Villages Health plan and United Health Care. The upfront costs of Medicare Advantage plans are lower than my plan. It looks very attractive but I am concerned that at some point Medicare may reign in these Advantage plans as they are costing Medicare more than traditional Medicare. If that were to happen and I had made a switch I couldn’t go back to my former company sponsored plan. I get all drugs for a small co pay in my current plan, a great benefit. My concern is further increased because the Villages sells its assets when they no longer see they are needed, e.g. rec centers, fire departments, water and irrigation systems, etc.. The people making the most money in healthcare are the insurance companies not the medical personnel or hospitals. Now I see the Villages Health is advertising in the Daily Sun and is offering residents bounties for physician referrals. Maybe it is becoming difficult to attract physicians to central Florida? What do you think?
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I think you should keep what you have.. with the Advantage plans you can't have a GP through the Villages system, you have deductibles and copays, and you have networks. With traditional Medicare you can go to anyone anywhere and not worry about deductibles and copays. It's a pay me now or pay me later. I can plan for the premiums but would dred the bills that would come later after a major medical event. With me an advantage plan would remove Moffitt cancer center from my network. Also recently I took my wife to Mayo Clinic in Jacksonville because we couldn't find a Dr or Hospital capable of finding the cause of her symptoms. Keep what you have because you're correct, you can never go back. IMHO