Quote:
Originally Posted by huge-pigeons
Get a supplement plan and never look back. You can go anywhere in the country (even in the world with some plans) that accept Medicare (except for the villages healthcare places, which could be a plus). These plans cost very little per month and what you get is no copays, $200 deductibles, no referrals, and no refusing medical services. Some of the advantage plans have very high deductibles, copays, and if you listen to people who have these advantage plans, they are constantly getting their health care procedures not approved so the companies can save money.
The biggest decision you have is when you turn 65: this is the only time you won’t get refused getting a supplement plan, after 65, any supplement plan can refuse you. Also, if you have a supplement plan in another state, you don’t need to change to a florida based plan because supplement plans are accepted everywhere medicare is accepted.
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I’m still 4 years away from Medicare age, but doing my research now, I agree with what you have said above - I am heavily leaning towards supplement instead of advantage. You can always change to advantage (during open enrollment each year) if you later change your mind - not so much the other way around - supplement premiums aren’t that much - and the flexibility with supplement is wonderful - I’m currently not with Villages Health right now anyway, because of my age - so I really have no desire to get on advantage just to be part of villages health network.