#1 Reason I Would Never Choose Medicare Advantage - Medicare Part C
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- Опубликовано: 16 авг 2023
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Hi sir the only problem here is though more than half Americans qualifying for Medicare have to go on Medicare Advantage and it's not a choice more then an only option as with original Medicare it is financially out of reach for the low income as you have to buy not only a supplement but also a part D drug plan and most just cant afford and and theres no financial assistance with Original Medicare like there is with an advantage so it is last resort for most
Two reasons to use Medicare Advantage are if one can't afford the Medigap and Part D. My Plan N plus Part D is just under $100 a month and my wife's is less than $90 a month. Another reason is if one is a veteran using only VA healthcare. There are special MA plans for veterans that can rebate part of the Medicare B costs.
Why can't I just use Medicare. Why do I have to even have a plan
You made a good point in your video presentation - that Medicare Advantage plans are are actually a lot like the employer group insurance plans many of us have been covered by all of our lives.
Some seniors sign up for Medicare Advantage thinking it is original Medicare. They find out they don’t have original Medicare when they get seriously injured or sick and their Medicare Advantage plan refuses to pay for necessary treatment like a stay in rehab. Seniors are being sent straight home after surgery for a broken hip because their MA plan refuses to pay for them to go to a rehab hospital.
Thank you for sharing your experience with Medicare Advantage, it's an important point to consider. It's crucial for Medicare beneficiaries to understand the differences between original Medicare and Medicare Advantage plans. While Medicare Advantage plans often provide additional benefits, they may also have limitations and restrictions on coverage compared to original Medicare. It's always a good idea to thoroughly review the terms and conditions of any plan you are considering to ensure it aligns with your healthcare needs and preferences. If you have any further questions or concerns, feel free to reach out.
I will not get medicare advantage. I believe we need universal healthcare. No way. I try tell people. They have said im in silver sneakers. So what. Im paying for health not a gym.
I know I sound like a broken record, but I have to correct everyone who uses the phrase "Medicare Part C". Medicare Advantage is not Medicare Part C. There is no part C to Medicare. Saying "Medicare Part C" makes people think that it is part of Medicare.
Medicare Advantage is "sometimes known as" part C, especially by healthcare corporations that want to deceive people into thinking it is part of Medicare.
Your first choice regarding Medicare when you turn 65 is whether you're going to choose Medicare or choose a corporate-run Advantage plan, "sometimes known as" part C.
Thank you for your comment and for sharing your perspective. We appreciate the clarification regarding the term "Medicare Part C" and understand that it can lead to confusion. Our goal is to provide accurate and helpful information about Medicare options, including Medicare Advantage plans. We strive to ensure that our viewers have a clear understanding of the choices they have when it comes to their healthcare coverage. We appreciate your input and will continue to provide valuable insights for those navigating Medicare decisions. Thank you for watching and supporting Medicare on Video!
Thanks Keith, appreciate your expertise in this space.
Thanks for your thoughtful perspective. Keep up the fantastic work!
I am learning so much from watching your videos. Thank you so much for sharing this amazing source of information. This one is quite helpful.
I respect that you don’t sell Medicare Advantage, but as someone who does both I can assure Med Supps don’t make sense for everyone just the same as MA doesn’t make sense for everyone. It’s not our job to control the narrative of someone’s health care, it’s our job to educate and enroll and no one’s needs are the same 🤷🏼♂️
Fantastic explanation! You are such a nice man!
Medicare "sdvantage" is NOT Medicare.
People don’t realize they sign their medicare away when they go onto MA plans. Many doctors and hospitals do not accept MA plans for good reason.
I'm glad your clients have such deep pockets. The working poor do not have this luxury!
Thank you for sharing your perspective. It's important to acknowledge that Medicare can be a complex topic with various options and costs associated with it. While it's true that certain Medicare plans may come with additional expenses, such as premiums and deductibles, there are also options available to help lower-income individuals access affordable healthcare. It's always advisable for individuals to explore and understand their options based on their unique circumstances, so they can make informed choices that best suit their needs and financial situation.
What you think is offered by a government paid advantage plan is more expensive in the long run. Anything the government “gives” you comes at a cost. It comes from higher taxes and increases inflation. That’s why groceries, rent and other necessities are through the roof. Traditional Medicare is still a good deal compared to what people that aren’t receiving Medicare pay for insurance.
Advantage plans may look desirable at first but being unable to get off of them later on can come back to bite you in the end. Many independent agents will tell you the same thing. They aren't scare tactics. They are real life experiences from their clients. Make an informed decision.
Prior to signing up thru Medicare, I was client of Kaiser. Then when my Medicare sign up came, it was a smooth transition to their Part C. Didn't have to switch doctors. I'm very satisfied.
@@ziostregoneria6178 Are you nuts or what? I'm on Medicare Part C! Through a separate entity(Kaiser). With that plan I get part A, part B and part D through the same entity. Kaiser then bills Medicare/Government. You understand? Part C. Part C, Look it up.
If a Serious illness comes up, think about these words..."IN - NETWORK"
@@mikkalinka9781 Kaiser has everything in-network. Want me to post my benefits booklet?
I think a lot of these pro Advantage comments are coming from Shills for the corporate Healthcare system.
Advantage members are limited to just the doctors in their network; they must get prior authorizations from their Advantage plan; their Advantage plans can and do deny and delay their care; the annual costs of Advantage plans outpace Medicare plans more often than not.
Watch videos comparing the costs. And watch videos describing denial and delay tactics used by healthcare corporations against their members. Then decide which risk you're more comfortable with.
BTW, Medicare does not have a part C. If you choose any Advantage plan (aka by the healthcare companies as part C), you have decided against Medicare and opted for Advantage instead.
Scare tactics, Medicare advantage helps a bunch of people who can’t afford to pay 200 to 300 a month for a supplement. Also advantage plans usually have dental vision otc hearing some even include a food card.
If you can afford the extra money then so be it but that’s not the case for so many seniors.
Exactly! I like how they never talks about the cost of MedSupp, Part D alone is expensive. Medications are higher and have a premium and deductible than Medicare Advantage.
Agree! There's a couple of implications that are mentioned here that are a little bit misleading too. For instance, the scare tactic about having to go to an out of network provider and being stuck with a huge bill if the provider wasn't under contract with the Medicare Advantage plan. It does happen, I'm sure, but I don't think its as widespread as he would have us believe. After working in healthcare for many years, I don't know of one doctors office that wouldn't work with a patient on their balance, plus, even coinsurance and deductibles with MA's are capped. MA plans, by law, give you everything Original Medicare provides, but they're allowed to offer more. It is also mentioned in this video that he doesn't know why Medicare pays the MA plans so much money, PPPM (per patient per month). Well it was the the Social Security Act that required the MA's to use Risk Adjustment for payment. Basically MA's are paid a certain amount each month for each enrollee. If an enrollee is really sick, (determined by diagnosis codes, which are scrupulously examined for truth and necessity) they lose money. If the patient is relatively healthy, they make money. This guy is sort of straight, but sort of misleading.
Medicare Advantage seems like a good deal until you get seriously injured or sick and they refuse to pay for necessary treatment. I work with seniors and have heard quite a few horror stories like Medicare Advantage refusing to pay for them to go to a rehab hospital after hip surgery. Imagine being 80 or 90 years old and being sent straight home after surgery for a broken hip because your insurance refuses to pay for you to go to a rehab hospital. The Medicare Advantage ads are very misleading because a lot of seniors think it’s actual Medicare from the government. Insurance companies shouldn’t be allowed to sell plans with Medicare as part of the name because it is NOT Medicare and seniors are being duped.
Part of what you say about the earnings from Medicare Advantage, the problem is that with the Medicare Direct White-Blue-Red Card you have to pay copayment
I got on UHC just prior to learning I had Cancer. Now I am getting bills cause Advantage didn’t pay everything. I was on Orginal Medicare/Medicaid and they paid everything. I am going back to Orginal come enrollment
Thankyou for this video even though have lessthan$800 social security check each month i am going with original medicare and the G plan
As noted in the video, Medicare pays private advantage plans on a per capita basis (so much per head). Doesn't this create a built-in incentive for advantage plan plans to ration and skimp on care? What the plans don't spend on care increases their bottom lines. This is directly antithetical to the interest of the healthcare consumer, or so it seems to me. The plans will no doubt respond that their ethics always place the patient/insured first, but I would place more weight on the financial incentives that are present. Follow the money.
My PPO employer plan and the MA PPO plan are virtually identical as I am still on the retire medical plan and my spouse is on the MA PPO plan.🤔
I've had Kaiser for the past 40+ years and have doctors that I regularly see with my current health issues. I foresee my issues might worsen and in time Kaiser may decline treatments.
Once I go onto Medicare I will be selecting a Plan G or N. Too bad I can't keep my doctors I have at Kaiser.
Are you sure?? Once you go to Medicare Part A and Part B and have a Supplemental Health Plan ▬ you can go to any Doctor who accepts Medicare. Medicare will pay 80% and your Supplemental Insurance will pay the rest (make sure your Supplemental Insurance waives any deductibles and includes Medicare Part D). Then your co-pays and deductibles are ZERO. Find the lowest priced "G" plan that waives the deductibles and you have ZERO co-pays for Physicians (you may have a nominal co-pay for Prescriptions). It doesn't matter if the Supplemental Insurance has a network, they will follow along and cover anything after Medicare pays. I have no idea if your Kaiser Physicians take Medicare but it may behoove you to find out.
If your Kaiser doctors take Medicare, then you should be good with a Plan G or (better) Plan N.
Kaiser has several Advantage plans. You may have one in your area that works for you. This guy over exaggerates the issues with networks.
Thanks, will look into it.@@yeahright532
@@yeahright532 No, he’s not exaggerating. People have to stay in networks, and doctors come and go all the time from disadvantage plans. I would never want one.
Would I have to obtain a separate supplement plan for dental and vision? Would it be best to keep these two on my spouse's insurance?
Reply:
Great question! Medicare does not typically cover dental and vision services, so you will need to obtain a separate supplement plan for these. It's definitely worth considering if keeping these two on your spouse's insurance is the best option for you. Make sure to compare the benefits and costs of both options to make an informed decision. If you need any further information or assistance in understanding your choices, feel free to reach out. Thank you for watching!
You made a good point.
I'm glad you found the video helpful! Understanding the complexities of Medicare can be overwhelming, but the Medicare on Video channel aims to simplify the process and help people make the right choices. If you have any specific questions or topics you'd like to see covered, feel free to let us know, and we'll do our best to address them in future videos. Don't forget to subscribe and activate the notification bell to stay updated with new content. Thanks for your support! 🔔
Thank you! I'm glad you found value in the video. Understanding Medicare can be overwhelming, so I'm here to help simplify it for everyone. If you have any specific questions or topics you'd like to see covered on the channel, feel free to let me know. Don't forget to subscribe to stay updated with our latest content. Thank you for your support!
Thank you! We strive to provide valuable information and guidance to help viewers make informed choices regarding their Medicare options. If you have any specific questions or topics you would like us to cover in future videos, feel free to let us know. Don't forget to subscribe and activate the notification bell to stay updated with our latest uploads!
My goodness this is timely. I have some serious heart issues. What my Medicare Advantage Plan.. SCAN has done for my health is breathtaking
Reply:
Thank you for sharing your experience with SCAN and your Medicare Advantage Plan! It's wonderful to hear that your plan has had such a positive impact on your health, especially considering your serious heart issues. Medicare Advantage Plans, like SCAN, offer comprehensive coverage and specialized care, providing peace of mind for individuals facing health challenges. If you have any questions or need further assistance regarding your Medicare coverage, feel free to reach out. Wishing you continued good health! 🌟
Reading your nook and very confusing at the start for me. First part saying if i do mot have 40 qusrters it will cost me money. I worked for the federal government and do mot have 40 quarters in social security but medicare was always takrn out of every check, so you book leads me to know i have to visit a medicare office to get the scoop
Medicare on Video Strange name but good service This video convinced me To sign up for Poor medic gap. Jamie Banner was 👍 Knowledgeable and easy to talk to..
I would have better off financially with my medical bills by not having Advantage. It was a dis-avantage
Reply:
Thank you for sharing your experience. We understand that navigating healthcare options can be challenging, and it's important to make the right decision for your financial situation. Medicare Advantage plans can have different cost structures and coverage options, so it's essential to carefully review the details before choosing one. We suggest reaching out to a Medicare specialist or your healthcare provider for personalized guidance based on your specific circumstances. Remember, making the right choice is crucial to ensuring your medical bills are covered effectively. Feel free to check out our videos for more information on Medicare options that might better suit your needs.
The key is knowing your limitations when there is a serious health issue. Medicare hands down AP are better if healthy as you save $ Ask your doctor what they would buy? Know the true facts before you make a major mistake
If you have certain pre existing conditions, you can’t get a supplemental plan
Apparently, when signing up for Medicare, supplemental or advantage, you don’t have to disclose to an underwriter. There are also some states that don’t require you to disclose to an underwriter when you switch plans. There are a few exceptions to this, one should be aware of
Keep up the great work
Best info, best video.
Aetna has a great choice of Doctors, I have cancer and am very happy with my Advantage plan.
Thank you for sharing your experience with Aetna's Advantage plan! It's wonderful to hear that you have found a plan that provides great access to doctors and that you are satisfied with it, especially during such a challenging time. Wishing you the best in your cancer journey, and thank you for watching Medicare on Video! If you have any questions or need further information, feel free to reach out. Take care!
If you live in NY or FL medigap plans are very expensive.
Reply:
Thank you for sharing your insight! You're absolutely right, medigap plans can be more costly in certain states like NY and FL. It's important for Medicare recipients in these areas to carefully evaluate their options and consider alternative plans that might be more affordable while still providing the necessary coverage. If you have any specific questions about medigap plans or need assistance in navigating the Medicare landscape in NY or FL, feel free to ask. We're here to help!
Hello....🤔🤔🤔
The Magic Words are "IN - NETWORK".
THINK ABOUT IT......
too many extra benefits……includes rx coverage……
too low of a premium.
Thanks for your comment! It's great to hear that you appreciate the extra benefits and the inclusion of prescription coverage in the Medicare plans discussed on this channel. The low premium is definitely an attractive aspect that makes these plans even more appealing. Keep watching for more informative videos on Medicare options and don't forget to subscribe and activate the notification bell to stay updated! 🔔
Advantage plan , no different than employee covered insurance - clearly bias opinion and not totally correct on PPO …
Thank you for sharing your perspective. It's important to note that opinions on advantage plans can vary, and it's always beneficial to gather multiple viewpoints before making any decisions. Medicare on Video aims to provide helpful information and clarity on various Medicare options, including Advantage plans. Feel free to explore their channel for additional videos that may address any questions or concerns you have regarding PPO plans.