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.
Our Medicare Advantage worked great for us so far.
Now we need to figure out where to go with this.
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.
I disagree. I was 12 years on Medicare, and now past 8 years on Medicare advantage. I prefer the latter by a mile.
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 ...
my blue cross/blue shield medicare advantage HMO plan works just great. I have had this one for 5 yrs now. just as good as the commerical plan i had when working
original medicare plus a supplement plus part D is expensive period.