Don't you think Medicare should ban all those celebrity Medicare Advantage commercials?
Answered by 9 licensed agents
Answered by Paul Dzierzanowski on April 15, 2025
Agent Licensed in FL
Answered by Scott Sims on April 9, 2025
Broker Licensed in OR, AZ, CA & 15 other states
The MA commercials are always pressing on the "free" items, and the benefits they tell you they can give you, but aren't disclosing that by taking those plans, you have boxed yourself into their Network, which will not have the highest quality doctor, specialists, or hospitals, based upon the amount and the payment time from the carrier versus Original Medicare. These plans most likely will not travel with you as they do not have a National PPO plan to cover you outside of your county region. They have limitations, and even though they may tell you about limited or no co-pays or low deductibles, they don't acknowledge that to offer the highest plans that you will pay for them - they're not free!
If individual control of your health is important to you, or if picking the doctor you want anywhere in the country is important to you, then what you really need to compare is the "free" plan to the "free" choice you have instead when taking Original Medicare and a Supplement.
Answered by Norman Smith on April 9, 2025
Agent Licensed in FL & PA
Answered by Michael Pyers on April 28, 2025
Broker Licensed in OH & MI
Deceptive & Misleading Claims: Ads often claim that seniors are missing out on benefits, including higher Social Security payments, to encourage them to call broker hotlines.
Misleading Information: Some ads don't fully disclose that Medicare Advantage plans have limited networks of doctors & hospitals, potentially leading seniors to switch plans only to find they can't see their preferred providers.
Predatory Sales Tactics: Brokers & agents using hotlines have been accused of using "bait-and-switch" tactics & other misleading techniques to enroll seniors in plans.
Confusion for Seniors: The sheer volume of these ads, combined with their misleading claims, can make it difficult for seniors to understand their Medicare options.
Financial Incentives for Brokers: Brokers receive higher commissions for enrolling seniors in Medicare Advantage plans than for Medigap or Part D plans, creating a financial incentive to promote Advantage plans.
Government Actions: The Centers for Medicare & Medicaid Services (CMS) is working to crack down on misleading Medicare marketing practices. Congress is also investigating Medicare Advantage plan broker pitches on TV & has proposed regulations to address deceptive advertising. Some states have seen an increase in complaints about deceptive marketing leading to further investigations & proposals for stricter regulations.
In essence, the concern is that these ads are not providing seniors with accurate & unbiased information, making it difficult for them to make informed decisions.
Answered by Fred Manas on May 14, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Mike Henry on April 10, 2025
Agent Licensed in TX
Answered by Robert Simm on April 9, 2025
Broker Licensed in NC, AL, AR & 15 other states
Answered by Karen Ansell on April 22, 2025
Agent Licensed in FL, GA, KY & OH
Answered by Natalee Nimmo on April 28, 2025
Broker Licensed in SC, FL, GA & KY, MO, NC & TX
Tags: Advice for Seniors Medicare Advantage The Medicare System
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