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Medicare Advantage

Visiting Mayo Clinic | Last Active: Sep 10 1:43pm | Replies (30)

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@vic83

Not only Mayo Clinic is not taking Advantage Plans. Many hospitals and providers are dropping them. I follow Becker's Hospital Review and there are frequent articles about a clinic or hospital system dropping an Advantage Plan.
Retirees have been fooled into enrolling in Advantage plans with the constant advertising.
There are many complaints against Advantage plans, and providers drop them because of the constant refusal to pay, required approvals etc. I was shocked when I went to Mayo Radiation Oncology Dept and saw a sign recommending that one check one's health care insurance benefits to see if cancer treatment is covered, and what to do if your insurance company refuses to cover your cancer treatment! It also said if you have traditional Medicare you don't need to check.
This is the deal: With original/traditional Medicare you can go to any doctor in the US who takes Medicare and you can self-refer, you don't need approval. You buy a Medigap/supplemental plan to cover the 20% Medicare does not cover.
BUT....with the Advantage plan you GIVE UP CHOICE AND CAN'T SELF REFER - you must go to their doctors and if they don't have the expertise and can't offer you the latest treatment, if you go outside their network you must pay$$$. You need approvals for tests and procedures, and you have copays. And every year you need to check to see if your doctor is still in their network. Because they make deals with doctors - we send you our enrollees and you take less than what Medicare would pay you. I keep calling my Representatives in Congress to outlaw the Advantage Plans....they rip off seniors and actually cost Medicare more

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Replies to "Not only Mayo Clinic is not taking Advantage Plans. Many hospitals and providers are dropping them...."

@vic83
Though I agree with some of your statements, need to correct you about Mayo acceptance of Medicare Advantage.
Mayo does take some Medicare Advantage Plans at certain locations. Everyone needs to check with their Mayo location and insurance company to verify coverage.

The type of Medicare / Medicare Advantage Plan is an individual choice that needs to be evaluated based on person's situation. I am on original medicare, but many friends are on Medicare Advantage, see providers at Mayo Rochester and are happy with coverage.

Choosing your Medicare coverage is an important choice and can be confusing. If in doubt, many communities provide education sessions to assist.