Quote:
Originally Posted by rokdog49
This “pro position” for a private supplementary plan vs. a Medicare “Advantage” as stated above is missing some important facts and outright false in other areas. For example, under our current no fee ”advantage plan”, we have dental benefits to the tune of $500 and we can go to a Dentist outside the Network so there’s the first misnomer. This covers two visits for my wife and I and two cleanings. It costs us not a penny
Most importantly, and for the umpteenth time, with our Advantage Plan, WE PAY NO PREMIUMS.
The private supplementary plan fees can be exorbitant. If you have the money, there is no argument they will provide more benefits, but you have to pay for them and they can be quite expensive depending on what you want. Where do those premiums go if you have no medical claims in a given year? Corporate profits? Exhorbitant CEO salaries? C’mon man it’s an insurance company.
Do you get a refund? Hardly. That’s money down the toilet. Your choice though.
Folks, please at least look into what an Advantage Plan” provides with zero fees before you go buying private insurance and don’t take anybody’s word for any of this including mine . BTW, I don’t see where our “zero premium” benefits are affected by any such marketing, salaries or whatever other claims were made.They are rather good. Over $120k in medical bills last year including major surgery, radiation treatments and meds. $2000 out of pocket. We paid under $100 for prescription drugs in total.
Pretty reasonable.
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Agreed, pretty reasonable.
But, as many, many responders in this thread have pointed out, what’s good for one is not necessarily good for another.
Medicare Advantage plans vary considerably from state to state. What you have available to you may not be available to folks who live elsewhere (including the $0 premium option). Some include dental and vision; some don’t. Most of them restrict the network of available providers, which is a consideration if you like to travel, or if your current specialist is out of network.
I’m happy that your Advantage plan is working for you and your wife. There’s no Advantage plan available here in Minnesota which made any sense for me, financially or otherwise. I’m very happy with the Supplement I went with, and beyond the Part B deductible I have zero out-of-pocket expenses. Equally, I’m happy to pay as I go with my vision provider, and my dentist.
Point is - one size does not fit all, and your continued and vehement defence of your choice seems to imply that you think otherwise.
Do your own research.