Quote:
Originally Posted by Rainger99
As far as I can tell, the main objection to advantage is that you are limited to in-network doctors while Medicare allows you to see any doctor. But in reality, can you see the best doctor in the USA or the best doctor in Florida? You can probably see the best doctor in Sumter County. I don’t think a doctor can see more than 32 people a day and that is probably generous. So your doctor is limited even with Medicare.
However, you are probably saving a lot of money every year with advantage.
And does the doctor make a difference? I have seen very wealthy people that have the best medical care in the world die from cancer or other diseases. And I have seen middle class people go to a regular doctor make miraculous recoveries.
Does anyone have any facts on whether people live longer under Medicare as opposed to those who have advantage?
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In Medicare Advantage your provider must write/agree a referral for a specialist. If you see a specialist without this they will deny coverage. They use this to limit their costs.
A person who is enrolled in Original Medicare does not need a referral from a primary care doctor to see a specialist. However, you must check that the specialist is Medicare-approved and currently accepts Medicare assignments.