I talked to a Medicare Advantage provider today. I explained my medical problem for which I am being treated at USF Health in Tampa. They couldn't tell me in advance if that treatment would be covered . After joining the plan I would have to have USF Health submit documentation to them and they would then decide if it were covered. I can't take that gamble so I will stick with my current conventional Medicare with supplemental coverage. It has served me well for many years.
My point in sharing this is to point out potential pitfalls in Medicare Advantage plans. I was able to make an obvious decision based on my current condition. Had I not already had the condition and switched providers and was later diagnosed with that condition and if it did not qualify I would be looking at tens of thousands of dollars of out of pocket expenses.
Insurance, by definition, is to provide financial coverage for the unexpected.
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