I would not want to pay 20% of cancer treatment, joint replacement, any major surgery. How can they say it works out the same if you don't know what medical even is going to happen to you somewhere down the line? How many inexpensive payments do you have to make to an Advantage plan to cover 20% of a $40,000 surgery? And will you keep all that $ in the bank just in case?
I may be missing something, but it doesn't sound like a good idea to me.
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