Quote:
Originally Posted by Larchap49
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
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Moffitt is included in my BCBS MA plan and I heard that The Villages MA plan includes it now too.
As I mentioned there is a cap on these plans. I believe the cap on The Villages plan is a couple thousand dollars.
So let’s say worse case scenario you cap out - you are out a couple thousand dollars. That is most likely not much more then what you would pay in supplement premiums. And you are paying those for years without the perks of vision, dental, etc.
It made no sense to us to pay hundreds in guaranteed premiums every year for ‘what if’ when if the worst actually happened (and insurance didn’t pay - and they are required to pay what regular Medicare does) our out of pocket cost wouldn’t be much more then the guaranteed premiums. Plus we get prescription, dental, vision and more.