[MX rider]

[QUOTE=rsmurano;2340733]I would never never go the Advantage plan route. If you are thinking about going this route, make sure you check these things out 1st:
1) something like 70% of medical procedures are not approved by the advantage provider. Since these policies are usually ran by insurance companies, they don’t approve medical procedures to save money. If you don’t believe this, check it out, and also look into why congress is looking into this. Why? Because Medicare doesn’t need approvals for medical procedures, so why do advantage plans?
2) I will always pay less with a supplement. No copays, $200 year deductible
3) once you are in the Advantage plan, you might never get into a supplement plan in the future. If you have any medical issues within the last 2 years, the supplement plans will not accept you. But when you turn 65, any plan has to accept you.

My insurance broker told me: if you can afford the supplement plan cost, keep it, this is the gold standard for Medicare coverage.


Not all advantage plans are created equal. You're painting with a broad brush.

After much research we went with UHC and are happy with it. We talked with SHINE and they said it was a good option. We also spoke to some people on this plan with major health issues and they were happy with it as well.

They have a very large nationwide network, so it travels with us. Not every single hospital takes it, but all the ones we checked with here in Indiana did. Many Florida hospitals take UHC.

When it comes to medicare, having options is a good thing. It's not a one size fits all.
Bottom line, do the research.