Whats The Issue On Medicare Advantage Plans.....

[eallen]

54. It takes some study

Medicare Advantage plans often are cheaper up front, but limit your service providers and require pre-approval when you're faced with a major medical issue. As others have pointed out, they are provided by private insurers.

The alternative is traditional Medicare, parts A and B, which are fulfilled by the government. Along with a Medigap policy, since parts A and B leave significant copays. There are different Medigap plans, with plan G being one of the more comprehensive. But that will cost, and if all you can afford is a less expensive Medigap, keep your fingers crossed that it works out when you need it.

The choices get complex, quickly. And insurance salesmen will tempt you with their Medigap policies. They get paid to do that. They won't be around when the insurer says you don't really need something your physician is convinced you need.