Quote:
Originally Posted by tophcfa
Easy answer, a nation wide network accepted anyplace TM is accepted, nothing can be denied that is accepted under TM, no referrals necessary, and about a $250 annual deductible with everything covered 100% after that. Those are the four key things already available with TM (and a good Medigap Plan) that made signing up for it a complete no brainer for our needs.
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It sounds like you want to abolish advantage plans altogether.
To me, the biggest difference between an advantage plan and traditional Medicare is that advantage plans are managed by a private company with a profit incentive. If they deny claims or prevent you from using a doctor or other provider who charges too much or performs unnecessary procedures, they can increase their profit. By contrast, traditional Medicare claims are managed by Federal employees who have no profit incentive. I don't trust the Government's accounting costs for these programs, but it seems that advantage plans should cost less than traditional Medicare. But for the patient, it appears as though traditional Medicare would be a better choice.