[OrangeBlossomBaby]

Originally Posted by rsmurano

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.
I agree!

The operative phrase is bolded and underlined. Many of us can't afford that. And some of us are healthy enough and not "at risk" patients, that there's really no advantage to paying extra every month for the "possibility" of needing care that we probably won't need for another 10 years, if ever.