[MX rider]

Originally Posted by tophcfa

Fair point. Everyone’s situation is different and their choices reflect that. However, not all MA plans are equal, especially if you have more than one home and travel extensively. You obviously did your research and selected one of the better ones, most likely not one of the little to no cost plans that offer free stuff to suck you in. We would possibly consider a plan like that if we had a single home, spent almost all our time in that one location, all our doctors participated in that network, and we had the patience to deal with referrals. The reason we strongly prefer a supplemental plan is because we split our time between two far away locations and hope to travel extensively throughout the country. Plus, all Supplemental plans in each lettered category are required to offer identical benefits. MA plans benefits can change each renewal period, making the selection process an annual event. For us, the Supplemental part G plan is ideal. It has a national network, no referrals, an annual deductible/max out of pocket of about $250, and the benefits from year to year are consistent. And after being on Obamacare since its inception, both the cost and benefits of a Supplemental plan are a great relative value.

Here is hoping neither of us will ever need to use our selected plans for anything more than wellness checks : )

AARP UHC Advantage has a huge national network. No pre aprrovals needed and has an out of pocket max. We travel between 2 homes in Florida and Indiana. It works well for us and we use the wellness benifits.