You said it perfectly Avista, the replacement policies are great and save you money if you don't get sick. They are designed to save the Medicare system money in a Patients sickest years. Timing is everything. If a critical illness or injury occurs close to the window that allows you to change back to traditional Medicare, you win. Otherwise, a patient can have thousands of dollars in co-pays and deductibles. The maximum out of pocket is deceiving too. The replacements still pay all vendors much less than traditional Medicare. That puts a very sick patient in the position of not having access to the best providers. I have seen people spend their life savings for treatments not covered by their replacement. GTTPF, you have a supplement not a replacement. It sounds like you have kept your traditional Medicare and are paying for a supplemental policy. That is a safe choice.
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