Get Medicare! No to Medicare Advantage. It's perfume-covered doo-doo that'll bankrupt or kill you.

[Rebl2]

7. My rheumatologist

warned me last year NOT to get MA because they would never pay for my Humira (biologic drug). Medicare part D won’t do much better so I didn’t get it. I still have my husband’s federal B&S insurance, so it will help pay along with the company that makes Humira. They also pay a good portion of my other medications I take for my RA as well as other medications-I still pay a co-pay of course.
My FIL had a HMO and they pretty much killed him as far as I am concerned. He was older-70’s-when he got cancer. They pretty much limited what they would pay for and he had to leave the doctor he had gone to for years when he went on the HMO. In the beginning he didn’t have to pay for prescriptions (not that he took many) when he first started, but he had to go to their pharmacy I think. Then after a couple of years he had to start paying a co-pay for his prescriptions even though they promised in the beginning he would never have to pay anything for scripts.