Medicare Advantage prices to drop 23%

quote:

---

Medicare Advantage

---

My PCP told me to choose a medicare Supplement plan and not an Advantage Plan. In his experience, Advantage plan users commonly don't get the coverage they expect and certain test, diagnostics & procedures are not covered as well as plan owners expect. So in about eight months, I'm going to get a Supplement plan. Maybe that's why they are getting cheaper.

HSA > All (if you get in one when you're young and healthy and stay in it).

Advantage plans seem too good to be true, why would I choose a Supplemental plan? I don’t understand

There is no max out of pocket on certain things in a Medicare Advantage plan

So what’s the catch? There has to be a cost somewhere

quote:

---

the Centers for Medicare & Medicaid Services announced on Tuesday that, on average, Medicare Advantage premiums in 2020 are expected to decline 23 percent from 2018 while plan choices, benefits and enrollment continue to increase.

---

I have had an Advantage Plan for 5 years; the NC premiums are dropping ~ 32%, from $57.60 to $39. My wife is on it as well. That includes Part D, the prescription drug coverage. I take two drugs, generic Crestor and a low does BP medicine, and have not had to pay for those for several years even without meeting a deductible. She takes some RA medicine that we have to pay for.

And last year they brought back Silver Sneakers so we go to the Y for $0 cost, that saves ~$70/month.

We are both relatively healthy and have had very little out of pocket costs over the years. We were told, I guess it is correct, that we could switch to a supplement if we wanted. When, not if, one of us develops a serious illness we will look closely at switching; I assume it would have to be open enrollment time to do that.

The biggest issue we have is that you have to be in a network and some doctors in the small town we live in don't accept Advantage but most, if not all, take Medicare & the Supplement plans. I guess it could also potentially be an issue if we got sick and had to see a doctor while traveling in the US.

As of now the Advantage Plan is working for us. When that serious illness hits I may get a nasty surprise though; at least until we can switch to the supplement. Just another life time bet.

you have out of pocket costs( co payments ) each you get services, doctor visitvis $5, specialist is $40, ER visit is $90, outpatient procedure is $250. hospital admission is $185 per day for days 1 thru 7.
you have to use providers that ate “in the network”
thats how it works

quote:

---

MOOP

---

"It was the Moores!"

"Sorry, card says Moops. You lose."