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Originally Posted by rsmurano
Why anybody would go with an advantage plan is beyond me. They suck you in saying everything is free and covered until you need the service then it’s not. Hospitals now aren’t accepting advantage plans around the country, advantage plan insurance companies refuse almost 70% of the medical procedures that you dr wants you to have, whereas, Medicare has no requirement of getting a procedure approved or not, but it’s the big way that insurance companies save money. Advantage plan problems have been raised to congress to get them fixed. Supplements are the only way to go even if it costs a couple hundred a month extra.
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Not all is necessarily true. UHC Medicare advantage has a plan where you can go anywhere in the country that accepts Medicare and UHC. I’ve used it. True we don’t pay a fee every month. We have copays to pay up to a certain amount. We pay at the back end as we need the services. With my plan I don’t need pre-approval as long as the dr takes Medicare. Supplements you pay at the front end and as you age, your monthly premiums increase. It’s a good plan. But there are folks who cannot afford the $175 Medicare B plus the $200+ per month for the supplement. Then there are the Part D prescriptions. So in essence you pay at the front end with Traditional Medicare and back end with Advantage plans.