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Originally Posted by Michael 61
My exact sentiments- I’m 63, so two more years from Medicare age, but have done extensive research and homework in preparation of making the very important decision TA vs MA. I have also met with the folks at Shine - great resource.
I’m amazed how many my age haven’t done any research on the topic, and have an almost “cavalier” approach as to what to do when they turn 65. Many, unfortunately, appear that cost and freebies will be the deciding factor as to what they chose.
I feel it’s so important not to just to assess your current health conditions/situations, but look down the line 20-30 years from now, and determine what type of coverage would suit you best if diagnosed with a serious or terminal illness or if in need of rehab.
Everyone’s situation is different - and one plan may work better for some than others. For me, I’m going with TA+Medigap. Even though I’m healthy and prescription-drug free at his time in my life, it will help me sleep better knowing I have the best coverage available if needed. It’s the same as house or auto insurance, I don’t go with the cheapest premium necessarily, but for what is the best actual coverage in the event I need to make a claim. (I’m a retired insurance claims manager).
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Had dinner with high school / college friends/couple where one is a doctor. She would never take MA, too many rejections from a doctor's point of view. The point to remember, which I would wager that most don't realize, that MA private insurers,
don't make procedure decisions on medical need/basis,
they make their decisions based on corporate policies.
good luck with that . .