Quote:
Originally Posted by MX rider
We're on AARP UHC Advantage and love it. They have a huge nationwide network so it travels with you. We needed that since we're snowbirds.
We did a ton of research and even talked with people on this plan, which I doubt you did. We even talked to SHINE, they said it was a very good option for us. It's also highly rated by Medicare.
We love the wellness benefits as well.
You're painting with a broad brush, and you're not fully informed.
All advantage plans differ by a lot.
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No they don't "differ by a lot". They all have the exact same premise. The Insured doesn't get to control their medical services, the Insurer does and they're a profit making entity.
Advantage Plans are cheaper & give away "freebies" as you mentioned.
The fact that SHINE said "they're a very good solution for
you, doesn't make them better or even equal to Medicare + a Supplemental. It means that in your particular financial/health position, it's a good option.
They're a cost based solution, for folks trying to save money. There's nothing else anyone needs to know about them.