Quote:
Originally Posted by tombpot
You may be healthy now that usually changes the older we get. If you want the insurance company to manage your health care get an advantage plan. If you don’t t believe me then ask the people in the doctors office if your insurance company oks everything
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This is my point - people that love the advantage plan are not being long-sited in my opinion. Advantage is great when your healthy. What happens in a few years when:
1) you have multiple specialists and you are limited to those that are in network.
2) your health takes a turn, and now you have a large deductible /copay to meet.
3) your favorite doctor has left or been booted from network, and now you are forced to find another.
4) a necessary procedure that your doctor prescribes is denied by the advantage claims adjuster
All the above scenarios have occurred! And it is near-impossible to go back to regular Medicare once your forefiet it. That is why those slick advantage commercials play one’s desire to pay nothing for a supplement, and they give you a bunch of freebies to entice you - if you want to roll with the dice with your health, believing you will stay perfectly healthy, and then just drop dead one day, then advantage may work out for you financially. Too much of a risk for me.