Hi all please be careful of the mc advantage plans unless you are low income, one stay in the hospital especially TP patients it can wipe you out, if you are fortunate enough have $$ in your bank then it will work for you. The meds are expensive if you do not have a part D plan I have lower co pays b/c I have been able to get help with rx coupons. Their r more options for kidney TP versus LTP patients “ why I am not sure”
Advantage plans are for folks that are healthy , not taking specialty meds. I to went to a MC class for the aging and they were very informative. MC Advantage Plans have high deductibles, co pays most test have to be pre certified b/f they can be done. I have MC/supplement which is expensive but so far they have covered my medical needs rx’s my deductibles are very low. It’s a tough choice but if you have any assets own a home you can get into a financial mess with owing the 20% it adds up I was on private insurance when I had my LTP I am still paying monthly payments and it’s been 3years . Mind you this was my choice. Good luck most of all stay healthy.