These Medicare Advantage plans are dangerous. Sure, they come with low Premiums and some nice perks, such as gym memberships, free eye exams and some free basic dental. But the major downside to these plans is that the insurance companies can oppose and refuse to pay for a procedure that you and your doctor feel is necessary, such as a hip replacement or even an MRI exam. And the Insurance companies are in business to make money, not provide you with the best service.
Individual Freedom always costs more.
None of this happens with Traditional Medicare and the supplemental plans. Any type of procedure or surgery is enacted as soon as you and your physician agree. I can't tell you how many people have suffered and died because they couldn't get approval by their insurance company for a procedure or surgery that was deemed necessary by the physician under a Medicare Advantage Plan
Instead of a hip replacement, insurance companies under Medicare advantage plans are well known to send patients to physical therapy first. I am not saying this happens all the time, but it happens enough to warrant severe criticism and red flag for signing up for Medicare Advantage plans.
Cheap is cheap and that's what you get from Medicare Advantage. It is like smoking cigarettes, the smoker doesn't think he will die from cancer.
My point being is that you are placing your health under the care of a profit making insurance company who ultimately doesn't give two shits about your health.
So, my ultimate response to you and your Medicare Advantage Plans is that you are risking your life for cheap premiums and a few nice perks.
Now if someone cannot afford a Traditional Medicare Plan and a Plan G supplemental, I understand. But otherwise, you are potentially short changing your health and placing it at risk. |
