The advantage plan we have here in California (Imperial HMO) works well for us as we don't have any major medical issues and enjoy the no monthly premium and free dental and eye vision services. We also get $120 per quarter of free OTC products. I suppose as we get older we'll go through underwriting to get the more expensive supplemental plan but pretty happy for now saving all that money.
@iHealthBrokers
6 ай бұрын
That's great that it's working for you so far! A lot of people enjoy Medicare Advantage Plans for the cost savings and extra benefits when they are younger and healthier. It sounds like you are going into everything with your eyes open! Thanks for your comment!
@iluvmoney6767
6 ай бұрын
You are making a dangerous assumption. You assume that in the future thru medical underwriting you will be approved for a supplement plan. And what if you find you are denied by multiple carriers? You may be healthy now but future health issues such as cancer, diabetes, heart disease may get you denied for a supplement plan and you are stuck with the MA for the rest of your life. And year after year hitting that MAX out of pocket expense which runs into the thousands of dollars. Plus always needing a referral. The insurance company is deciding you care.....not your doctor. Plus so many Docs refuse MA plans and you are restricted to specific hospital networks, which makes travel an issue. Just the other side of the coin.
@florencetr2831
6 ай бұрын
I’m a discharge planner RN and work closely with all types with all coverage and after 20 years Please, stick with stick with traditional Medicare. We call DIS-Advantage Medicare for a reason.
@iHealthBrokers
6 ай бұрын
We've heard that nickname too! Unfortunately, you are right and many people end up regretting them. Thanks for your comment!@@florencetr2831
@alansach8437
6 ай бұрын
You said it all when you said you have no medical issues! These plans work great for the healthy. No premiums, basic dental and vision covered! Life is good! It's when you really get sick that their flaws show through!
@tperki2322
6 ай бұрын
There are certain states where Medical Underwriting is not permitted. Connecticut is one of them, so you can have an Advantage plan for a number of years and then go to regular Medicare with a medigap plan with no restrictions.
@iHealthBrokers
6 ай бұрын
That is a really good point! Medical underwriting is unfortunately far more common than not, but if you live in a state like Connecticut, you can certainly take advantage of that! Thanks for your excellent feedback!
@BAMAJOE55
6 ай бұрын
i have a advantage plan for ten years . i believe i have saved money . i have had two major operations . no problems with costs or doctors. dnot have to buy drug , vision or a dental plan.
@iHealthBrokers
6 ай бұрын
That is wonderful to hear. If it works for your needs, it can be a great way to save money. Unfortunately they don't seem to work for most people, but it's really wonderful that you've found a plan that works for your needs. Thank for your feedback!
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