They advertise and they sell the hell out of MA. I called UHC about their Plan G Medigap. They sell both MA and Medigap. I was getting the hard sell for MA on the phone right now today. UHC makes more money off MA and the brokers make more commission off MA. UHC doesn’t make this money off better service. They aren’t magically more efficient. But they do make it, a lot of it.
Why is that?
I think Traditional Medicare with Plan G is slightly more expensive up front with no ballooning copays/insurance or restricted networks. Overall, I think it's a much much better deal than Medicare Advantage.
CalChris says >"I think Traditional Medicare with Plan G is slightly more expensive up front with no ballooning copays/insurance or..."<
What "ballooning copays/insurance" are you speaking of? FWIW we have Medicare Advantage from Kelsey-Seybold. I don't see any balloons in my future that aren't from China.
You are convinced regular Medicare + Medigap is better than Medicare Advantage. Why don't you show us an exhaustive list comparing the two instead of floating balloons past us one at a time to shoot down.
My MA plan with a single provider has been excellent. One of the best "advantages" is that my medical records are centralized and I have a true medical history going back 40 years in silicon (and on paper when I need it). When go into an ER they have it all there in front of them.
I'm open to change, but provide hard arguments and numbers, please.
Kelsey-Seybold Clinic is a healthcare provider (in Houston). A Silver Medicare Advantage plan with them has a Maximum Out-of-Pocket of $3450 in-network, better than I would have thought. I have a $226/yr Part B deductible. That's it. I have no copays, no coinsurance, no preauthorizations and no network. I am paying $164.90/mo for the Part B premium and $139.28/mo for UHC Plan G. Part D is separate but I only take a statin and my Part D plan is $4.50/mo.
In particular, I value no preauthorizations and no network very highly. It means I won't be arguing with health insurance companies for the rest of my life.
Why is that?
I think Traditional Medicare with Plan G is slightly more expensive up front with no ballooning copays/insurance or restricted networks. Overall, I think it's a much much better deal than Medicare Advantage.