Quote:
Originally Posted by elle123
Medicare Advantage is privatized Medicare. Instead of traditional Medicare, where the federal government directly covers seniors’ health care, Medicare Advantage has the government give taxpayer funds to health insurance companies to manage people’s coverage. Each company gets a flat fee per enrollee — with higher payments for sicker enrollees — and the company profits by keeping the difference between the taxpayer funds they receive and what they spend on patient care.
The interests of insurance companies to maximize profits supersedes their focus on actually ensuring seniors and people with disabilities get health care
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People on advantage plans know what they are and many did their research just like we did. We checked ratings and providers, talked with people on the plan, and even talked to SHINE. Who btw, said it was a good option.
Cost was not the only factor. Dental, vision and the wellness benefits were important to us.
We don't need a lecture from people on regular Medicare about how we shouldn't like our ma plans. The vast majority of people we know on a ma plans are happy with them.
And some people we know have major medical issues. We're well aware of the restrictions and copays.
But for us, we don't pay near what Medicare and a suupplement costs until we need it. With medicare you pay up front weather you use it or not. We just pay as we need it. Our yearly out of pocket is $2900, which is very managable for us.
We've been happy with our choice. Medicare is not a one size fits all.