Talk of The Villages Florida - View Single Post - Which Medicare Advantage Plan?
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Old 10-13-2011, 08:12 PM
LoriAnn LoriAnn is offline
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The sole purpose of all Medicare replacement plans is to save Medicare money. That is accomplished by decreasing benefits to the Patient. They advertise services not offered by traditional Medicare to lure you. They never disclose all the benefit cuts compared to traditional Medicare. Keep in mind that everyone you are meeting with are sales people who stand to make money when you give up your traditional Medicare. Often they do not know every detail of the replacement policy in comparison to traditional Medicare. It is very complex. You always get more services with traditional Medicare. I have seen people choose replacement policies for gym memberships and covered medications that are generic inexpensive and generations removed. They never cover the most effective latest developed meds. In return the patient gets co-pays and/or deductables on hospitalizations, homecare, DME, and limited choices in providers. When a person on replacement policy needs a referral to a specialist they don't even get the best choices. The referral person can only pick from the list that accept that policy. Every provider accepts traditional Medicare, it's always the best choice.