Talk of The Villages Florida - View Single Post - Medicare Advantage Plans A Failed Experiment?
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Old 06-16-2024, 07:52 AM
MSGirl MSGirl is offline
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Originally Posted by Michael 61 View Post
Reading these threads you have “die hards” supporting traditional Medicare and those that champion Medicare advantage plans. For those under 65, this is a major decision you will have to eventually make. Research is key. Everyone’s personal situation is unique, and one’s health history needs to be taken into consideration. Someone who is very healthy, and goes to the doctor just once a year for their annual checkup will probably rave about how much they love their advantage plan. When it comes to quality health care, cost (though important) should not be the over-riding decision as to which way to go. I personally would want to talk to people well into their 80s, who have multiple health issues going on, who have had multiple hospital stays and rehab, and ask them how their coverage and the plan they selected has worked out for them.
I chose UHC MA and am very happy with it. I’ve had numerous surgeries and health issues and had no problems with my MA plan. I don’t pay a monthly fee for a supplement. However, with my plan I had to pay a co-pay for the surgi center /hospital. $150 per day. Up to $2400 out of pocket max. A supplement policy would cost me $2400+ per year. I see it as you either pay at the front end with a supplement or the back end with an MA plan. Plus you get some perks, dental, optical, gym membership, Part D meds.