Quote:
Originally Posted by Aces4
One of the surgeries I listed was an 8 hour, complicated, new surgical procedure. A study was developed and the surgery created great success for an ongoing problem. It also provided needed information for others undergoing such an extensive surgery.
Try to fly that past advantage Medicare coverage.
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Why would any hospital or doctor refuse a dollar just because it comes from an Advantage PPO?
Yes, an out-of-network doctor might charge more than the plan is willing to pay, and you might get stuck with the balance. But that could happen with ANY insurance plan, including a medigap policy. At least with my MA plan, I'm saving $8000/year in premiums. I happen to think it's worth the bet that if the worst happens and I wind up stuck with a 6-figure medical bill some day, at least I'll have the $160K I saved over 20 years to use before I have to dip into my savings. But on the other hand, there's at least an even chance that will never happen -- and I pocket $160K.
Insurance is a bet, anyway you look at it. I don't disparage anyone for seeing the odds differently or having a different risk tolerance than I do. I think the only reason someone would do that is because they're insecure about the choice they've made.