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Originally Posted by golfing eagles
Absolutely, positively 100% agree. The OP is nonsense, as is the "list" of "denials" a few posts above.
Do insurance companies occasionally deny requests for certain tests, treatments, hospitals or specialists---you bet they do. Advantage plans do, Medicare supplement plans do, private insurance does. ALL insurance plans have a set of policies and approved services. Most denials are simply because the service was not "coded" properly, others because the service might be new or considered experimental. HMOs and PPOs have a panel of approved physicians that are agreed upon by the insured when they choose that plan---it is the patient's decision. You need approval to go "out of network" or undergo a procedure that is not on the approved list. However, even with those restrictions, 99% of the time one phone call from your physician to the medical director of the insurance plan will get you approval. But that request must be medically necessary---whining that you want hospital A or physician B because your cousin's barber liked them won't do, nor should it.
Can one go on the internet and harvest a bunch of medical "horror stories"??? In a country of 330 million, no problem, since those who feel "wronged" are the first and loudest to complain. I can also find legal horror stories, automotive horror stories, daycare horror stories, and ditch digger horror stories. If someone is looking for 100% perfection in any system, might I suggest the planet Utopia?
Do you want to glean populist support? Just claim that the big, bad CEOs are making a fortune by cheating, conniving, deceiving and exploiting their workers, or the taxpayer, or the government. Readers will eat that crap up. The same readers that will pay thousands to see some guys kick a ball around a field or hear some rap crap guy "sing".
I don't know if the OP has an "agenda", but just add my wife and I to the millions that chose an advantage plan and are happy. And as many of you know I am familiar with medical insurance.
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Very well said! We're on UHC Advantage and like it.
Yes, there will always be "horror stories" as you pointed out. But MA plans vary, and some are better than others for sure. People need to do the research and make an informed decison.
Having a choice is a good thing, one size does not fit all.
Over 50% of new medicare enrollees chose MA plans. If they were so bad they wouldn't be so popular.
Btw, we really like the wellness and vision benefits. We get free membership to Genesis gym as a side benefit. Very nice place. My wife takes 2 fitness classes a day there 6 days a week.