Quote:
Originally Posted by Blueblaze
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.
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As I said earlier, I believe one's view of the advantage medicare plan is myopic. One is only guaranteed their advantage medicare coverage and costs today, once they convert every senior to private insurance who's only goal is high profits and low care, one will understand what they have in 20 years.
I believe there is no way advantage medicare would have approved and totally paid for the advanced surgical services I mentioned earlier.