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

[Lonestarblue]

137. Here's why I dislike Medicare Advantage.

With Advantage plans, insurance company employees make the decisions on what healthcare you’re allowed to have and how it affects their profits.

With original Medicare, you and your doctor make your healthcare decisions. Medicare includes a Part A and Part B to cover hospital care, physician visits, and tests. Most people do not pay a premium for Part A since the taxes paid into Medicare are assumed to cover this expense. You will pay a Part B premium. In addition, Medicare does not cover longer-term hospital stays and some other costs. A Medigap or Medicare supplement insurance policy will cover what Medicare does not, though some things are not included such as home care or cosmetic surgery. A Part D drug insurance policy helps cover the cost of drugs. The best site for learning about Medicare is meducare.gov.

Medicare Advantage plans rolls all this coverage into one private insurance policy. Medical care is not directed by the government, other than what they will pay, for these plans. Insurance companies determine your medical treatments. They will seem cheaper because they include eye and dental exams until you get really sick, at which point you may or may not get the best treatment, especially if it is something like a costly cancer treatment.