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Originally Posted by Bemabound
TM does not cover out of country needs. TM consistently reduces what they cover, especially for quality rehabilitation - which is a high need in elderly populations. TM does not meet criteria to retain certain retiree federal health care benefits, but MA does. MA have some plans which reduce TM premium costs. MA - PPO plans let you see docs in other areas of the country (TM does but the clinic may cap their new pts, unlikely for MA to be capped). Many reasons to go with MA depending on your specific health needs.
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A supplemental plan along with TM covers all of the above concerns. Advantage plans are geared towards profit in spite of the sales hype…patient care does suffer. No way do you want someone weighing the cost of your care over what’s best for you.