Quote:
Originally Posted by bumpa
This Advantage Plans vs Supplemental (medigap) plans battle seems to go on forever. From my point of view it seems it's always the medigap folks who disparage the people with Advantage plans. Tales of impending disaster, refusal of services, etc. Yet people with Advantage plans seem to quite pleased or at least satisfied with their coverage. Currently in my state the least costly G plan is roughly $300 per month per person so an annual charge for he two of us would be $7200 vs the $90 per month, $1080 annually we pay now. The difference per year of roughly $6200 just about covers our max out of pocket of $7000 per year. These figures are valid for my state only. We decided on an Advantage plan about 12 years ago after starting with a medigap plan. We were both very healthy at the time although as we age there have been changes. However the savings over the last 12 years are sufficient to cover the potential out of pocket cost for many years. As a deep northern yankee the calculation of one plan vs another balanced against the possible risk seemed to favor an Advantage plan. So far that has worked out.
Rather than horror stories about Advantage plans coming primarily from those with Medigap plans I'd be more inclined to hear from people with Advantage plans talk about the good or bad experiences.
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This has been shared before but here goes... Golfing buddy has chest pains, leaves the golf course and goes straight to the ER. After several tests in the following week, he is advised he needs stents and surgery is scheduled. His advantage health plan then nixed the surgery and told him to manage the issue with medication. Everyone gets real nervous when golfing with him now.
How would you like to be walking around knowing the cardiologists have recommended stents but insurance coverage says nope.
