TM vs MA
Good points made above. Here are some other thoughts:
TM subscribers often get a supplemental which will increase in price with age. Supplementals don't include Part D - which must be purchased separately. The better the supplemental and Part D, the higher the price. Both supplemental and Part D providers are private for profit companies. TM doc's and facilities don't have a common integrated health info network, so each time you change either, get ready to provide your health history all over again.
Apart from the above issues, TM would seem to provide the most health flexibility independent of cost.
MA (aka Part C) comes in many forms including HMO, in network only, out of network optional and PPO. All include Part D. I currently have HMO and am satisfied with it with two exceptions - speed of service for anything other than ordinary care and the potential for disagreeing with a doc and having little recourse. The integrated health info system is very good - no time wasted in providing health history or dealing with billing.
I'm glad we have choices. And I would be interested in hearing from anyone who is very pleased with their health care choices - and what those choices are.
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