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Those are promises made by places that sell Medicare Advantage. For many people the "Advantage" is not an "Advantage". Many people that switch from Original Medicare to Medicare Advantage have buyers remorse, and switch back to Original Medicare. They do that because Medicare Advantage restricts the clinics you can go to, and restricts the treatments. I've heard stories of about 20% of the claims are routinely denied with Medicare Advantage.
Before you try switching to Medicare Advantage, you need to check your current Medicare supplement plan to determine if there is any impact. In my case, if I ever leave my Medicare supplement plan, I can never ever come back to the Medicare supplement plan that I currently have, which is considered one of the best Medicare supplement plans.
Also, if you switch away from Original Medicare for over one year, then you have to medically qualify to switch back to Original Medicare. If your health declines, and you cannot medically qualify, then you are stuck on Medicare Advantage.
my friend had pituitary gland cancer …the surgeon wanted both halves removed …one side was cancerous and the other side was not in good shape .
her advantage plan denied removing both halves …the surgeon argued that medicare always pays to remove both sides ….the insurer said you cant tell us what. medicare would have done , your patient does not have medicare.
they are trying to sell you a medicare advantage plan .
many have cheaper premiums but are pay as you go so they can end up more expensive
AND your choice of providers may be limited.
AND you may be required to get a referral (I call it getting permission) from your primary to see a specialist.
AND you may have no coverage if you leave your local service area (which might be just another county). If you travel domestically, this should be carefully considered.
AND if you later want to switch to a standard supplemental plan (Medigap), you will have to medically qualify - pre-existing conditions will be considered. (Please note that there are exceptions to the medical qualification requirement like your MAP discontinued your plan, you move out of its service area, and a few others,)
MAP coverage can be TERRIFIC in certain circumstances, for certain people, who live in certain areas of the country and those who enroll in a good plan. But people need to understand what they are getting into. I've found most people don't - especially the consequences if they want to switch to a medigap plan.
Last edited by Jkgourmet; 11-19-2021 at 08:31 AM..
my friend had pituitary gland cancer …the surgeon wanted both halves removed …one side was cancerous and the other side was not in good shape .
her advantage plan denied removing both halves …the surgeon argued that medicare always pays to remove both sides ….the insurer said you cant tell us what. medicare would have done , your patient does not have medicare.
so she had to live with a time bomb in her body
Were they able to switch back to Original Medicare, plus the supplement? Or, were they past the point in time, when you have to medically qualify to switch back to Original Medicare, plus the supplement, and couldn't medically qualify anymore?
Were they able to switch back to Original Medicare, plus the supplement? Or, were they past the point in time, when you have to medically qualify to switch back to Original Medicare, plus the supplement, and couldn't medically qualify anymore?
they had to wait for open enrollment the following year .
however ny is a state that requires no medical approval to swich . most states are not so lucky.
we pay more for that ability on all plans in our state
I have medicare Advantage plan and feel I get the best of care, Dr will send me to any specalist they even think something should be checked. No copay and free atavastatin. I live in the huge population LA area.
Were they able to switch back to Original Medicare, plus the supplement? Or, were they past the point in time, when you have to medically qualify to switch back to Original Medicare, plus the supplement, and couldn't medically qualify anymore?
Maybe I'm wrong, but I thought one could switch plans at will during the open enrollment period (which is now).
most states allow you to go advantage to advantage plan but not to medicare without medical underwriting, which means you could be denied
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He'll, Walker had to have a photo display behind him to remind people of who he was!
