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Posted on 10/12/2025 10:05:20 AM PDT by metmom
This addresses the Medicare Advantage collapse.
We're losing ours next year. What a mess this is.
The video is 31 mins long
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“Six states — New Jersey, Ohio, Oklahoma, Texas, Arizona, and Washington — will begin using the Wasteful and Inappropriate Service Reduction (WISeR) Model to perform prior authorization evaluations, CMS announced in a Federal Register notice. This will apply to 17 services that CMS says ‘are vulnerable to fraud, waste and abuse.’”
https://www.kiplinger.com/retirement/medicare/prior-authorization-coming-to-traditional-medicare
Another video on Medicare
The Differences are Bigger Than You Think | Medicare Advantage vs Supplement
https://www.youtube.com/watch?v=eOP76hMPiDs
And the democrats want to give FREE healthcare to illegals!!!!!
There are no words for me to express how I feel about that.
As a former agent Medicare Advantage is inferior to Medicare + Supplement G F or high deductible F. Looks good up front but falls apart the longer your in.
We got notice this past that our Part D company is existing the business. We were paying $22/month for each of us. We are searching for a replacement plan and the best we can find so far is $400/month for each of us!
That’s a jump from $264/year to over $5,300/year — in ONE hit.
Unfreaking believable.
Our Medicare Advantage worked great for us so far.
Now we need to figure out where to go with this.
It’s disgusting how they are screwing over American taxpayers.
No kidding.
I am in Washington state and since I went on Medicare I have always had the high deductible Supplement plan. I pay $120 a month. Last year I had some medical expenses which cost me some out of pocket but I considered it worth it after paying less than my peers for years.
I have friends in Washington state who pay $87 a month for Advantage and apparently they will lose that. But the difference is only $33 a month more were they to change to my plan. $33 a month is not much for middle class retirees with stock portfolios and several homes.
Over the years I have seen the following:
1) Claims that agents push you into Supplement plans (plus Part D) because of a commission differential, and claims that agents push you into Medicare Advantage plans (that have Part D built in) because of a commission differential. Ignore all such claims.
2) In general, if you expect to have many health issues in the future, Supplement plans will be $$ superior (compared to Advantage’s cumulative copays). If you do not expect chronic illness, Advantage plans will be superior because of $0 monthly premiums and no copays to pay. And . . . if you are wrong and have chronic illness issues arise when you did not expect them, the **degree** to which you will no longer be $$ superior is limited by the Advantage annual max. It’s not a disaster scenario.
3) For most areas, Advantage network docs are the same docs a Supplement plan uses. The in or out of network question is a VERY RARE matter.
My bride -- we're in our 70s, by the way -- has gotten multiple solicitations for "free" visits by someone to assist with "evaluations," "wellness checks" and the like. Some "free" tests have arrived, hoping for a postage prepaid response. Many text messages soliciting in like manner, and the snail mail gets "whole life screening" and the like being marketed, all for "free" as long as they can bill Medicare. I get fewer, because I bark back at some of these, being less pleasant than is she.
Driving by various pharmacies in supermarkets and all, "free" shots of all sorts are proffered. Covid, Covid+flu, shingles and one had seven different "offerings" all for FREE, whe covered by Medicare. Even offered at times for a small "debit card" freebie to entice.
The system needs be constrained. Perhaps not for some, but that is our view. For the "healthcare" -- meaning insurance -- "for all," for which the Democrats were willing to shutdown the government, we're bankrupting this nation in slow motion.
What are we leaving our kids? Debt and more debt. The system much be reigned in.
Good for them.
I don't know any retirees in that financial situation.
I disagree. I was 12 years on Medicare, and now past 8 years on Medicare advantage. I prefer the latter by a mile.
I never understood why they were getting the cheapest insurance when they could have paid a little more. Maybe that is how one accumulates wealth, by saving a penny here and a penny there.
The reason it’s usually free to start is to lock you in after the no underwriting period. The prices increase much faster as time goes on and the MA provider is betting you won’t be able to qualify for a supplement once you realize you made a mistake. If you travel out of state MA is a poor choice. I went to the AZ Dept of Insurance and studied prices and increases. It wasn’t even close. That free MA costs way more in the long run. Some supplement providers also had high increases but certain names stood out as being cost effective. Pound for pound MA is the inferior option.
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 ...
He advises people with MA’s to get a cancer plan - but you must apply before the age of 72. That leaves me out.
Of course that works, if you have the money to afford a supplement plan. Else its the $0 MA plan for us poor folk.
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