Quote:
Originally Posted by BrianL99
There are really 2 choices in the Medicare world.
"Managed healthcare", where a provider manages your healthcare. An insurance company, who is in business to make a profit, is making your healthcare decisions.
Or "Self managed", where you yourself, directs your healthcare to your benefit.
It's a very simple equation. Who should be in charge of one's healthcare? A corporate entity, whose goal is to make profits or one's self, who's goal is to stay healthy and live a long and prosperous life?
Or, we could look it at another way. Name ONE "advantage" a Medicare Advantage Plan offers over a Medicare Supplemental plan, that isn't related to costs or "freebies".
It's a no brainer, unless financial constraints force you into a Medicare Advantage plan.
|
Sorry, but I'm forced to disagree, and I probably know a bit more on the subject
The "insurance company" is
NEVER "managing " your care under an advantage plan, it is primary care physician. Are there networks and limitations---yes, but it's easy to get an exception. In 35 years, not a single patient of mine was denied anything they needed anywhere they needed it. All that has to happen is that your primary care physician calls the medical director of the insurance plan. While I had a 100% success rate, I'm sure overall that rate is over 95% as long as the proper effort is put in. Remember, while that medical director is "safeguarding" the insurance co. $$$, they want absolutely no part in any decision that might adversely affect outcomes. Simply not worth the hassle for them, and the primary care physician will usually get an approval in 2 minutes.
As far as the second choice---"direct you own medical care", I cannot emphasize how bad an idea that is----kind of like deciding to build your own home nuclear reactor for cheap energy. Most often, it will blow up in your face. That is unless anyone thinks they can match 11+ years of medical education and years of experience by "googling" something. And surprisingly, there is a whole cadre of idiots who think they can do just that.