It appears from the POV of the customer they’re giving away a free product that they spend tons of advertising to get you to buy, and it includes free stuff like preventive care. It has all the hallmarks of a scam but I can’t see who’s being scammed.
In: Economics
Never get an Advantage plan. It’s nothing more than a HMO with so called advantages. I’m 65 and went with traditional Medicare with a supplement plan N. Your not tied to a network you can go to any doctor that takes Medicare and that’s about 99 percent of all the Doctors in the USA. I pay about $200 a month which is on the top end since I’m in Florida on top of Plan B which everyone has to pay. I have a $240 deductible to meet and after that I may have to pay up to a $20 office visit fee but I have not been billed by any doctor I have seen yet. And $50 for an Emergency room visit but if your admitted it’s waived.
After that everything is paid for by Medicare and the Doctor decides my care, not some HMO corp. No referrals or anything like that. HMO’s are the devil. lol. Doctors love Medicare as they submit the bill electronically to Medicare and are paid in 48 hours and no haggling with insurance companies. As long as Medicare covers any said procedure your Doctor can do it and get paid quickly. As far as prescriptions you need to have a plan D plan. Mine is $0 a month and surprisingly they do have fantastic discounts on meds and some I just got the other day cost me nothing. Yes no Dental or Vision but I will pay my Dentist out of pocket for a couple teeth cleanings a year but my wife is a school teacher and I’m on her plan but not this year. No Way in Hell should anyone get talked into the Dis Advantage plan. Just my thoughts.
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