advantage plans are fine as long as you are healthy ... not good at all if/when you or your wife develop multiple, severe and/or unusual health problems ... of course you can always switch each year in November ... in my opinion, if you can afford top of the line health insurance, it’s the only way to go ... trying to save money on your health is foolish IF you can afford it ... remember, the main purpose of advantage plans is to provide the cheapest and most limited options possible so the company can make a profit ... also, your care will be 100% restricted by a gatekeeper doc assigned to you, and you might not be able to get one you get along with ...
I have no idea where you people are getting your information from. We’ve had Medicare Advantage plans since we signed up for SS in 2001 and have never experienced what so many here are relating about experiences. We don’t have “gatekeeper” doctors and we have never had any problem getting in to see any doctor of our choice WHO IS enrolled with Medicare.
Your statement of the main purpose of Medicare Advantage plans is untrue - there are additional benefits to the MA plans that original Medicare doesn’t have. Services are not cheap and they are not limited. Every time we turn around, a doctor or specialist is recommending and scheduling a CT Scan or MRI or some other fancy test for us..No one makes any money on those.
If you don’t mind paying your money out in high premiums instead of getting value for your $$$, have at it. Anyone looking at their EOB at the end of the month can see that the companies offering MA or those providing services aren’t in it for the buck! They do receive $$ from Medicare for each enrolled member but they should maybe operate a business without compensation?
“”remember, the main purpose of advantage plans is to provide the cheapest and most limited options possible so the company can make a profit ... also, your care will be 100% restricted by a gatekeeper doc assigned to you, and you might not be able to get one you get along with””