Editorials & Other Articles

meow2u3

(24,774 posts)

13. Remember this about Medicare Advantage

Reply to justaprogressive (Original post)

Sat Oct 7, 2023, 09:34 AM

Oct 2023

Health insurance companies designed Medicare Advantage to take advantage of people on Medicare.

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119 replies

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The Medicare Advantage ripoff every American should know about [View all] justaprogressive Oct 2023 OP

My daughter is a home-care RN case manager Freddie Oct 2023 #1

I suspect many folks were duped into signing up. dalton99a Oct 2023 #69

Traditional Medicare has tight limits on physical therapy too. Silent Type Oct 2023 #82

The problem is the network limitation dalton99a Oct 2023 #85

And traditional Medicare is good if you have $250 to $400 a month for Silent Type Oct 2023 #101

Medicare Part C was actually created in 1997 MichMan Oct 2023 #2

Thanks for posting. Folks forget this was started under Clinton. Silent Type Oct 2023 #14

Yeah, I thought it was before W Farmer-Rick Oct 2023 #34

While it is true that they are required to offer at least the save coverage, Ms. Toad Oct 2023 #66

It seems "offer" and "provide" are different things in this case. CaptainTruth Oct 2023 #71

Yep. dalton99a Oct 2023 #73

I told all of you last month that Medicare Advantage plans will eventually deny care Stargazer99 Oct 2023 #3

We need National Health Care for all. MOMFUDSKI Oct 2023 #4

Why bother having insurance at all? lostnfound Oct 2023 #6

Not lucky. I made a choice. MOMFUDSKI Oct 2023 #7

Catch is Medicare Advantage is permanent IbogaProject Oct 2023 #26

In Michigan DownriverDem Oct 2023 #49

But I think you have to pay back supplemental premiums IbogaProject Oct 2023 #53

I pay $0 DownriverDem Oct 2023 #59

You'd have to pay back premiums to return to traditional medicare IbogaProject Oct 2023 #64

Maybe but DownriverDem Oct 2023 #68

You don't pay anything at all?? moose65 Oct 2023 #79

if it is zero for you, it means someone else is paying for it Skittles Oct 2023 #119

It can vary some by state, Ms. Toad Oct 2023 #76

Tell me about the hairdresser paying to... ret5hd Oct 2023 #8

They accept Medicare and probably some accept Advantage also. MOMFUDSKI Oct 2023 #10

I am not an expert on the subject... ret5hd Oct 2023 #16

Not free because of the MOMFUDSKI Oct 2023 #35

If you Rebl2 Oct 2023 #61

Part B comes out of one's monthly Social Security benefit Attilatheblond Oct 2023 #43

A is free Rebl2 Oct 2023 #47

I have a question for you moose65 Oct 2023 #28

I am not on the government Medicare Plan. MOMFUDSKI Oct 2023 #42

Are you sure it doesn't come out of your SS check? moose65 Oct 2023 #54

My understanding is the same, as far as the part B premium goes. ShazzieB Oct 2023 #107

I'd say, do yourself a favor and *don't* attend a dog-and-pony show at a local restaurant. Mister Ed Oct 2023 #74

People are not aware of the commissions involved dalton99a Oct 2023 #86

Thanks, that's excellent information. Do you know who gets the commission if... Mister Ed Oct 2023 #113

The insurance company saves money if you don't use an agent/broker/sales rep dalton99a Oct 2023 #115

Thank you! n/t Mister Ed Oct 2023 #116

You are. You just don't know it. Ms. Toad Oct 2023 #80

You don't pay the premium???? Farmer-Rick Oct 2023 #39

Medicare Advantage Plans are private insurance, period. gab13by13 Oct 2023 #5

I see all kinds of Specialists and pay $25 copay. MOMFUDSKI Oct 2023 #9

I am one of those traditional Medicare patients. Ms. Toad Oct 2023 #87

Precisely! justaprogressive Oct 2023 #114

Not exactly true. They can make a profit if the number sinkingfeeling Oct 2023 #11

Part of the Advantage thingy is MOMFUDSKI Oct 2023 #12

the government gets RIPPED OFF by "Advantage" Skittles Oct 2023 #103

So are Medicare Supplement plans dpibel Oct 2023 #84

Remember this about Medicare Advantage meow2u3 Oct 2023 #13

Yep. And those insurance companies bombard us with ads to herd people into plans without good info Attilatheblond Oct 2023 #48

OMG and they are relentless about robo calls, Farmer-Rick Oct 2023 #102

Kick dalton99a Oct 2023 #15

As of 2023, the majority of Medicare beneficiaries are in Medicare Advantage Plans. Most are there Silent Type Oct 2023 #17

Contracting back office work isn't the point being made in the original post. paleotn Oct 2023 #27

Traditional Medicare is administered by insurance companies since inception. That's a fact. Silent Type Oct 2023 #33

Back office. Management is through the federal government. paleotn Oct 2023 #46

Back office-- everything including coverage, claims, credentialing of doctors, notifications, etc. Silent Type Oct 2023 #50

Contracting for certain services is a different animal entirely compared to Advantage funding. paleotn Oct 2023 #60

I think they point of the OP was to bash Medicare Advantage and those that choose it. That's usually Silent Type Oct 2023 #65

And I think you're wrong. paleotn Oct 2023 #91

Glad you are so much smarter than the 51% who choose MA. Silent Type Oct 2023 #100

Does Medicare give you DownriverDem Oct 2023 #18

What in the world is an over the counter card? orthoclad Oct 2023 #36

It covers lots of stuff DownriverDem Oct 2023 #45

Bottom Line. SalamanderSleeps Oct 2023 #19

True moose65 Oct 2023 #37

Yet, it is chosen by 51% of beneficiaries. Good to know we are smarter than all those stupid people. Silent Type Oct 2023 #52

Thank you! Attilatheblond Oct 2023 #57

We need health care, not "insurance" orthoclad Oct 2023 #20

It needs to be fixed DownriverDem Oct 2023 #22

I don't see anyone attacking those who chose Advantage. Just the private entities running them. paleotn Oct 2023 #29

The comments are way too negative DownriverDem Oct 2023 #63

We need to completely replace the insurance model orthoclad Oct 2023 #32

Agreed. Insurance should not be a "for profit" system SouthernDem4ever Oct 2023 #38

We need to drop the "insurance" model altogether orthoclad Oct 2023 #56

I suspect this is more complicated than most of us realize... Joinfortmill Oct 2023 #21

I am glad yours was a success story. SouthernDem4ever Oct 2023 #40

What a minute. Weren't these private entities supposed to profit from efficiency alone? paleotn Oct 2023 #23

I love my Advantage plan Traildogbob Oct 2023 #24

Hahahaha!! moose65 Oct 2023 #41

Yea, I think Traildogbob Oct 2023 #72

+1. MA companies are very aggressive in their campaigns to lure and entrap retirees dalton99a Oct 2023 #75

We are the prey Traildogbob Oct 2023 #77

My husband doesn't have part B taken out of his SS because he uses the VA for physicians visits. 1WorldHope Oct 2023 #88

You are correct Traildogbob Oct 2023 #93

*SNORT* Skittles Oct 2023 #104

Most brokers would choose traditional Medicare for themselves dalton99a Oct 2023 #110

I have DownriverDem Oct 2023 #25

Have been vigorously trying tiredtoo Oct 2023 #30

Advantage Plans have a yearly $$$ limit MOMFUDSKI Oct 2023 #55

they also have limits on what they pay out and/or cover. tiredtoo Oct 2023 #67

or they will outiright deny care based on some weird algirithm Skittles Oct 2023 #105

Just like any other insurance, It depends on the plan. Ms. Toad Oct 2023 #89

Some red states, such as IN, that took the expanded medicaid option Cheezoholic Oct 2023 #31

What is "expanded medicare"?? moose65 Oct 2023 #44

It has to be Medicaid Farmer-Rick Oct 2023 #51

Yes, spellcheck dambit lol Cheezoholic Oct 2023 #58

States cannot remove your right to standard Medicare. N/T Ms. Toad Oct 2023 #90

What are the choices? bucolic_frolic Oct 2023 #62

Medical is not expensive. Ms. Toad Oct 2023 #92

Thanks for that!! Helps to plan ahead! bucolic_frolic Oct 2023 #117

It isn't really an option, if you can guarantee your health. Ms. Toad Oct 2023 #118

I have an Advantage Plan. PoindexterOglethorpe Oct 2023 #70

You're another in a long line of MA defenders moose65 Oct 2023 #78

Other people are getting it, that's why they choose MA. If majority of beneficiaries choose it , Silent Type Oct 2023 #81

Advertising is powerful persuader. Ms. Toad Oct 2023 #95

Saves Medicare beneficiaries money. That's a good thing. Silent Type Oct 2023 #98

But it doesn't Ms. Toad Oct 2023 #108

Not to patient/beneficiary. You've heard DUers right here with heart surgery, Silent Type Oct 2023 #109

n 1 is an anecdote. Ms. Toad Oct 2023 #111

Wish the MA is bad, bad, bad crowd would get on CMS to investigate and fine Silent Type Oct 2023 #112

Yeah, it's good until it isn't moose65 Oct 2023 #96

The big ones seldom leave. And even if they do, you can enroll in traditional Silent Type Oct 2023 #99

$233 if it was the first care for 2022, $226 for 2023. Ms. Toad Oct 2023 #94

My Medicare starts Dec XanaDUer2 Oct 2023 #83

The 140 billion dollar figure is way high. Progressive dog Oct 2023 #97

Based on all the comments on this thread tiredtoo Oct 2023 #106