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Originally Posted by Michael 61
Not Medicare age yet, but researching and doing homework in advance of turning 65 in a few years. My take is “advantage is great until it isn’t’. The supplement monthly premiums are reasonable in my opinion, and the flexibility of doctors, and not fearing a procedure will be denied makes it a no-brainer for me. Currently I am in a PPO and hate it. My doctor insists I need injections for spinal degeneration that is causing pain. Insurance company says no - wants me in a very expensive (at my cost) physical therapy regiment for a year first. These things are common when an insurance adjuster, and not a doctor is guiding your healthcare.
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SOOO TRUE !!!! I am a year out most agents actually ALL the agents have told me to NOT go in advantage plans........they will be in control of you if something goes wrong. You need surgery and they just might deny you stating you need therapy first........also it can be harder in other states to get coverage........they also can change DRS on you for no reason already saw that happen with my own folks plans............NOPE original for me it will be PLUS you are able to go to MAYO clinic in Jacksonville they only take original NO ADVANTAGE plans same with MOFFITT center in Florida just a FYI