[golfing eagles]

Originally Posted by tophcfa

Totally true. But that $3,000 in savings will rapidly disappear, and then possibly way more, if/when the MA insured individual has a medical event that requires more than basic wellness medical care. There are easily many real world scenarios where spending the $3 grand on a supplemental plan will indeed appear like chump change at the end of the year compared to TOTAL health care expenditures if one opts to choose a MA plan.

Choosing a MA plan, versus Medigap, is akin to gambling one’s finances on their future health care needs. The biggest problem with MA plans is that when you win the gamble, you can save around $3 grand per year, when you loose the gamble it can be catastrophic. That’s not a risk/reward scenario I’m willing to take.

Interesting, since my Florida Blue MA plan has a MAXIMUM $2,400 out of pocket expense. Not much of a gamble.