[ElDiabloJoe]

Originally Posted by BrianL99

This thread if the epitome of rehashing what everyone should know and what's been going on for the history of the insurance business. In fact, the situations discussed, forms the basis of the Insurance business.

If you pay someone (Insurance company) to minimize your risks, their decisions are going be "reasonable" in the insurance company's mind (business standards), not yours.

If you have automobile insurance and your car is 10 years old when it's damaged in an accident, you're not necessarily getting brand new OEM parts to fix it. Common sense. When buy auto insurance, you're not buying carte blanche, to fix your car the way you want it fixed ... you're agreeing that the Insurance company will essentially put you back to the original condition. 10 year old cars, don't get brand new, OEM parts.

Medical Insurance is the same. The Insurance company's don't give Doctors carte blanche to do whatever they want ... there are standards of care, you may like and may not like. If you don't want an Insurance company making medical decisions for you, self-insure.

Luckily, people on Medicare have options. If you opt to stay on Medicare directly and not sell your health for a few bucks and opt for a Medicare Advantage plan, you get to direct your own healthcare (within reason). An Insurance company isn't deciding what's medically necessary or what falls within their standards of care.

Staying away from Medicare Advantage plans, means that the patient and the US Government is determining your standard of care ... not an Insurance company that's in the business of making money.

This is not confusing or complicated. This is common sense and has been standard operating procedure since "insurance" was invented.

Extended Auto Warranties? Home Warranties? Dental Insurance? Pet Insurance? It's all the same insurance business and they all work the same way. You pay $100, the Insurance company uses 15% for management & costs, takes 10% for profits and gives you back $75 in services. What's complicated about that?

Ummmmm, did you conflate Advantage plans with Supplemental plans in your above-quoted missive?