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Profile picture for vic83 @vic83

You do well to go with Original Medicare when you turn 65.
Advantage Plan requires you to go to their network of doctors, to get approval to see a specialist etc. with copays for everything. Cheap only if you never need a good specialist.
Another important fact is that at 65 all insurance companies have to take you regardless of pre-existing conditions. Later after first enrollment period they do not have to accept you and can charge you more. So if someone first signs up with an Advantage Plan and later wants to go back to Traditional Medicare they are at risk of not finding a Medigap plan or will be charged higher premium if they do accept you.
And with Original Medicare you don't need to check each year to see if your doctor is still in the Advantage network! You can go to any doctor that takes Medicare.
And if my independent clinic is not providing a drug for financial gain, one can be sure that the Advantage Plan will not do it either!!! They are famous for denying coverage and making people get preapproval for tests!

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Replies to "You do well to go with Original Medicare when you turn 65. Advantage Plan requires you..."

@vic83 actually, if you're on an Advantage plan, you can only switch back to traditional Medicare after the 1st year, one time only. After that one year mark, you're on Advantage for life. I think it's a rip off. People sign up because it's cheaper, and you hedge your bet that you'll stay healthy as you age. Once you start having health problems you'll start paying out the wazoo. It's a scam, in my opinion. My mom fell for the zero premium and zero copay for prescription. She's always been healthy as a horse, but at 91 ½, she's starting to have problems. It makes me furious