Using the term Elite as well as expert and other misleading labels with the word Medicare is out of compliance and a violation of Medicare rules.

Same here, 2 of my hubby's specialists don't take any Advantage plans. He wanted to stay with them so has Original Medicare and Medigap through TransAmerica. You can look on the myflorida.com website under the Office of Insurance Regulation and download a list of all the available Medigap plans and estimated premiums. SHINE program is very good as the volunteers are not affiliated with any insurance carriers.

Violation. Look out

Junk coverage, run away from this!!!

You can always go back to Medicare. At a minimum at enrollment time. The supplemental could be a problem.

Do not get an advantage plan. If you are a snowbird, you only get emergency coverage when you go back home. not for your primary doc. In addition, only certain dentists, eye docs accept it and may not have an office near you and if you find they are not up to your standards, you are screwed. My premiums for the year for supplemental is cheaper than an advantage plan and I don't have any deductible, co-pay, and no referrals and is accepted everywhere. In case of emergency, you may have to pay a lot for coverage and I would rather have peace of mind knowing I am 100% covered. They make these advantage plans sound so good, but in reality they are not. Go speak with the people at SHINE for honest information, NOT an insurance agent. For UHC I pay $192/month about $2400/year. What is your deductible and add in co-pays and referrals needed? Think about it. Well worth it for peace of mind.

I get at least three or four calls a week from “Medicare Rewards” trying to hook me into buying in to their free program to get me all kinds of good things added to my current Medicare Advantage program. They all come up on my phone as “Spam call” and sometimes I answer and talk to the rep, only to tell them to take me off their list. They either hang up or say they will and a half hour later I get another call from them. I have over 200 phone numbers BLOCKED from this company, but they call from all over the country and seem to have unlimited numbers to call from.

So, my FloridaBlue MA is junk coverage? I think not. Now, the stuff they sell on the television is junk coverage.

The above information does not seem accurate based upon my real world experience.

I belong to the VHS and have AARP Medicare Advantage from UnitedHealthcare PPO (not HMO). It is extremely flexible letting one pick their own specialist without referrals and at worst case one can go to other institutions and most likely pay an out of network price up to the OOP. We also have a seasonal home in New York State and summer 2020 my wife had medical issues that tallied up to well over $300K (after their funny math). Every single bill including 3 hospitals, ambulance, specialists. doctors, etc. were in network.

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You paid $2400? I paid $183 out of pocket last year. Explain how that is cheaper. Not all MA plans are the same. I have worldwide emergency care. Referrals? Why is that such a big deal? If my PCP recommends a specialist for an issue, that saves me time trying to find someone qualified.

Shut down the commercials!
Very misleading

Remember the annoying Reverse Mortgage guy who used to post all the time on here? Is this going to be just like him?

You are so right that the TV is flooded with a bunch of lies. I am not an actor nor an athlete. I am an agent/broker certified in 8 different carriers that are going to tell you the truth and no lies about Medicare. Call me you will be glad you did call to get the truth.

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Is the OP fee based or commission driven?

In my experience most commission driven people try to sell what provides them with the highest commission, not what is necessarily best for the customer.