Viewing a single comment thread. View all comments

Flaky_Bee_2599 t1_ixd0exx wrote

Reply to comment by crustyrusty91 in Hidden audits reveal millions in overcharges by Medicare Advantage plans by rustyseapants

Off the top of my head:

  • Medicare Advantage Plans have max OOPs
  • Medicare advantage plans most often have Copays when seeing doctors and specialists instead of coinsurance
  • Medicare advantage plans have much more robust prescription coverage plans than traditional Medicare.

Also, you can switch back and forth every year during open enrollment. Making blanket statements about how Medicare Advantage is bad is silly.

5

NonDopamine t1_ixdccg3 wrote

Most states do not allow you to switch back to regular Medicare without underwriting (read: unless you are healthy). I have been through this mess with both my parents. Medicare Advantage plans look great until you actually need them to pay for your healthcare and then then you aren’t allowed to switch back to a regular Medicare plus supplement plan. It is a nightmare.

That being said most seniors can’t afford regular Medicare supplement plans anymore so the long game to completely privatize Medicare is just about to come to fruition.

6

Flaky_Bee_2599 t1_ixdjrp0 wrote

Medicare plus supplement will require medical underwriting. Regular Medicare won't. Medicare supplement is, as you say, much more expensive than Medicare Advantage plans.

Also, it's not a game to "completely privatize" Medicare. It's called a public option. The idea that having a choice is inherently bad is more of a political opinion than a fact.

4