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Originally Posted by Thaxxx
Great advice!
ALL Advantage plans in general are a crap shoot. The main reason I wouldn't choose one is because I don't want the insurance companie in charge of my medical care. And that's exactly what they are. They dictate where you go and what services are covered. With a supplemental plan, you can go anywhere that Medicare is accepted and you're covered. And you do not need pre approval. It's not cheap, but it gives you peace of mind knowing you can go where you think the best medical care for is, and you're covered.
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$400/month (for two) seems a lot, just to be able to go out of network -- compared to FREE. We do a PPO Advantage plan instead. Yes, the in-network choices locally are lousy, but I haven't seen much evidence of better local options for primary care or the usual specialists. If either of us develops a disease where it matters that we hire the best in the world, our PPO gives us the option, along with an out-of-network out-of-pocket maximum, even if the doctor DOESN'T accept medicare. I figure the thousands we'll save will go towards that maximum.
But I have no idea if we've made the right choice. It seems logical, as I read the documents, but I'm no lawyer. If I have to got to Moffit or MD Anderson some day, it wouldn't shock me if they cut me off the moment I hit that maximum, and United points to some fine print legaleze that gets them off the hook.
Everybody's a crook these days, and Heathcare is the worst. It's all a crap shoot. You pay your money and you take your chances.