worse: Medicare Advantage plans are a lifetime trap: should one become really ill and then desire to revert to regular medicare with a supplement to have access to ALL physicians, hospitals, clinics and medical care covered by regular medicare [which is almost ALL of ‘em], you’ll find that, gee, no one is required to sell you a supplement after bailing out of a medicare “advantage” plan, and in fact no one WILL sell you a supplement if you have a history of serious illness, which pretty much means you’ll be on the hook for at least 20% of all of your medical bills for the rest of your life!
supplement providers are required to sell you a supplement no matter what ONLY if you buy one when you first sign up for regular medicare ...
folks, Medicare Advantage plans are a trap and NO ONE should ever go that route, thinking how cheap and how wonderful they are, and because “i’ve never been to a doctor in my life and i’ve never been seriously ill in my life”, because unless you simply drop dead one day, you WILL become seriously ill and need the best medical insurance money can buy, which is regular medicare with a supplement like Plan F or Plan G ...
Of course that works, if you have the money to afford a supplement plan. Else its the $0 MA plan for us poor folk.
My wife had stage-4 cancer for 6 years. She was on MA from Humans for all 6 years. Whatever treatments her oncologist doctor prescribed, MA Humans approved. There was a yearly limit for our of pocket charges around $4000. That’s all we had pay. The treatments were billed at $35,000 to $37,000 PER MONTH! We only had to pay $4000 for whole year.