Why would you not choose a medicare Advantage plan?
Answered by 14 licensed agents
It's important to note that these plans are often designed with specific geographic areas in mind, which may limit your access to available providers outside of your local area. However, Medicare Advantage plans offer many additional services that traditional Medicare with Medigap plans may not provide, and they cover your prescription drug plans with zero to low monthly premiums. Medicare Advantage plans are only good for one year and must be renewed yearly.
Answered by Larry Dalton on April 6, 2025
Broker Licensed in OK & TX
Answered by Lt Col Tim Brown on May 19, 2025
Broker Licensed in TN, AL, CO & 10 other states
Answered by Tony Capraro III on April 15, 2025
Agent Licensed in NH & ME
Answered by David Bell on April 15, 2025
Agent Licensed in ID, AZ, CA & 8 other states
Answered by Thomas Ashton on March 31, 2025
Broker Licensed in FL, AL, AZ & 6 other states
Answered by Angela Ellington on May 19, 2025
Agent Licensed in CA, AZ, FL & 9 other states
The most important reason is, I prefer to have control over my health, rather than a privatized corporation! In an MA plan, you have to follow their rules, see their doctors, facilities, and get referrals before you can go anywhere. If you have a consultation with a practitioner, and find you don't like or trust him/her, you do not have the choice to look elsewhere! You are going to THAT DOCTOR! So my preference, on the major medical items, at least, I want to know that I have the options for the BEST treatments I can get and not worry about the costs either, because I chose the best by opting for Original Medicare, and an affordable supplement, that gives ME the control over who I see. Accepting an MA plan means you eliminate yourself from having coverage through top facilities such as The Mayo Clinic, The Cleveland Clinic, Johns Hopkins, Moffett, etc.
Also, I often see the annual deductible cost more than Original Medicare and a Supplement combined! Why would you opt then to put yourself in a controlled box? You are most likely paying for your Part B already in most MA programs. If the annual deductible is more than the yearly supplement, then it truly doesn't benefit you.
MA Plans rarely travel with you because they are dependent on the local Network of Doctors, hospitals, and participating specialists. If you travel, this is of no use to you. Everything will be out of pocket or at least out of network. And if you travel internationally, the MA plan is absolutely no good for you, whereas the supplement plans give you a $50,000 lifetime, 80% reimbursement payment for any medical services outside the USA.
Lastly, the consistency of changes to what the government allows for, and what the MA companies will cover, is constantly changing from year to year. So you have to review and babysit your medical each year! The doctor in the plan this year may elect not to accept it next year!
Don't get caught saving nickels to spend Benjamins on later!
Answered by Norman Smith on April 6, 2025
Agent Licensed in FL & PA
Answered by Yasmery Vargas on April 18, 2025
Agent Licensed in PA
Answered by Chad Watkins on May 19, 2025
Agent Licensed in NJ, AK, AL & 48 other states
Answered by DeeDee Whitlock on April 16, 2025
Broker Licensed in LA
1. Provider Network Restrictions: Medicare Advantage plans typically require you to use doctors and hospitals within their network. This can be problematic if your preferred doctors or hospitals are not in the network, or if your plan changes its network, potentially leaving you unable to see your preferred providers. With Original Medicare, you can generally see any doctor who accepts Medicare, which is a large majority. 2. Prior Authorization Requirements: Many Medicare Advantage plans require pre-approval for certain medical services, procedures, or medications. This can lead to delays in receiving necessary care and can feel like an added burden. Original Medicare generally does not require prior authorization for most services. 3. Potential for Increased Out-of-Pocket Costs: While Medicare Advantage plans may have lower monthly premiums, they can also have higher out-of-pocket costs when you need to see an out-of-network doctor or hospital, or if your plan has complex rules regarding referrals or prior authorization. Some plans may also have higher copays or coinsurance than Original Medicare. 4. Navigating Plan Extras and Unexpected Changes: Many Medicare Advantage plans offer extra benefits like vision, dental, and hearing coverage, but these may not always be what they seem, and the plan can change its benefits or network at any time. This can be confusing and frustrating. 5. Difficulty Switching Plans Later: If you are unhappy with your Medicare Advantage plan and want to switch to Original Medicare, it can be difficult to do so, especially if you have had the plan for more than a year.
Answered by Fred Manas on May 19, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Steve Brauer on April 18, 2025
Broker Licensed in AZ & CA
If you want a package with dental, vision, transportation, a Visa card and network restrictions, than you can choose an MAPD plan. Some MA plans have very few restrictions and very few benefits so you would need to weigh all of this out
Answered by Glenn Alterman on May 31, 2025
Broker Licensed in TX, AZ, CA & FL, NJ, OH & TN
Answered by Lawanda Radford on May 17, 2025
Agent Licensed in GA, AZ, FL & 10 other states
Tags: Medicare Advantage
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