Medicare Advantage Changes You WON'T Believe Are Coming in 2025

[@samename6479]

I needed dental work done & the dentist staff put me on a plan. And as I was there on a 3rd visit, the lady from the receptionist area came in where I was in tbe exam chair & asked me to book my deep cleaning. I asked her if my plan covered it. She said no that it'd be $300. So I told her I'd wait. When I got home, I called my idental insurance & asked what the insurance covered for a deep cleaning. She told me there was no charge, that Im allowed 2 per year at no cost to me. I made sure she knew it was for a deep cleaning, not a regular one. So be sure to follow up w your insurance on your own...just to be sure they arent collecting xtra. Ask questions.

[@amasson721]

It's not just Medicare Advantage Plans ! It's are Health System in the USA - Supplement Plans are GREAT - Yet, Seniors are being Priced out ! Premiums keep rising as you age Thousands of Seniors can no longer afford them !!!

[@reginacarrithers4454]

IT'S CALLED MEDICARE FRAUD. WHY aren't these Insurance companies doing this BEING JELD ACCOUNTABLE and sending some people to PRISON? If Drs go to prison for it, so should these insurance companies....PERIOD.

[@angusorvid8840]

Seniors have to organize and vote.

[@ChristopherWestfall]

Yes

[@juanitawoods8899]

They have sucked the life out of health care. It’s sickening what they’ve done and what they’re doing.

[@ChristopherWestfall]

Very true.

[@Gaea4U]

Almost all insurance is putting the squeeze on its users, It is pure greed!

[@Annette-b6v]

I am retired now. But back in the day, I sold Medicare Supplement policies. You explained this better than I have ever heard. Thank you for being honest about Medicare Advantage coverage.

[@ChristopherWestfall]

Thank you so much!!

[@angelashort3850]

I work in rehab in skilled nursing facilities and we refer to advantage plans as “advantage plans” meaning they completely take advantage of our elderly. They are sold the cheaper policy and bombarded with TV adds for them, then if they end up in rehab for a broken hip or any other medical issue some stranger behind a desk decides when they have to go home. Therapists have our hands tied and can only ask for more days which mostly are denied. We love a traditional Medicare patient as we as therapist can decide when they are safe to return home and have at least 100 days to work with typically, not 14-21 days.

[@ChristopherWestfall]

So sad - more coming out in the news on this right now.

[@lindawest4580]

Feels like the government is trying to kill off many seniors that are on extremely low fixed incomes 😢

[@kupwards]

Unhelpful comment. Be more specific if you actually have more than blaming the government. This video was almost entirely about the business decisions of private healthcare providers.

[@butterflygirl2285]

IMO - Congress needs to be putting a stop to the lies about Medicare Advantage Plans. Also, that is a huge conflict of interest to offer more money to insurance agents/brokers who push Medicare Advantage.

[@juliebutler8241]

How many are too poor to afford Medicare A and B, let alone a Supplement? I am one. And totally healthy!

[@ChristopherWestfall]

If you're on Medicaid, there are different options. 1-800-729-9590

[@barniaburton1205]

you get medicaid if you don’t a certain amount of money check it out.

[@Honeybee-Hedgehog-Designs]

This is my first year on both I had a well paying job it was still less than my co pay at work I dropped kaiser and now I got laid off 😢

[@jazziez6467]

i get a 10 minute visit from my quack and the only thing he does is try and book me for bone test, heart test, mammogram, and push the lousey bp meds on me that make me sick so i refuse them after trying them for a few months here and there. He charges $190 for 10 minutes and doesn't even look at me or take my temp or pulse or listen to my heart and doesnt check my ears, nose or throat, nothing for $190

[@susanflaherty1248]

UHC AARP plan I’m on has discontinued dental benefits and halved vision benefits. These perks are what sold the Advantage plans. This is not the government. This is the result of lobbying by the insurance industry that resulted in corporate profits determining our care.

[@ChristopherWestfall]

That's like buying a car based on the brand of wiper blades. If you'd like help finding a good plan, please make an appointment here: seniorsavingsnetwork.org/AEP

[@hjumper8238]

Corruption abounds in the insurance of Medicare advantage plans while screaming poor mouth! Thank you for this reveal. This confirms my suspicions when I first signed up with a Medicare advantage plan.

[@gr8isJesus]

It sounds like the federal government can do a better job of managing healthcare. end Medicare supplemental insurance. Medicare should pay 100%. We paid or it all our working lives. Why are we paying again when we are least able to pay it?

[@kallasusort2986]

I am so glad to see you back EARLY on KZbin. Thank you Christopher and team!

[@ChristopherWestfall]

Thank you for watching.

[@babasheeny3634]

Who are these “criminal mastermind geniuses” who think this crap up????

[@barniaburton1205]

Money hungry people

[@ShirleyDurling]

Thank you, you will be helping a lot of people knowing they can go back on Medicare from the Advantage plan. The people who sell Advantage plans blow up the cell phones so bad.

[@ChristopherWestfall]

Doing our best to help as many as we can in a small window. seniorsavingsnetwork.org/advantage-to-supplement-help/

[@fayeb.5855]

Traditional Medicare for me.

[@joandaniels6948]

Chris, my name is Joanne Daniels. I met you at a Mutual of Omaha meeting in South Carolina. I work with Steve Reichhardt and have for years out of Claremore Oklahoma. I appreciate your videos and I am sending them even to my clients. I hope they will call me with their questions, instead of reaching out and other directions. I’ve tried to inform them for years exactly what you’re saying so I appreciate your videos.

[@annpaprocki678]

What has happened to all the dental benefits and gym memberships in the advantage plans?

[@Savannah-ed4rv]

Isn't a typical of most professions today that so many people don't really know what they're selling or why they're selling it. They don't know all sides of the story about any particular products. It's mind-boggling to me that an insurance agent would not know the difference between Medicare Advantage and a Medicare supplement. Their license should require them to take a test to prove they understand the differences

[@NanSwenson]

I tried UHC advantage plan. I hated it. I had 6 months to try it out. I left after 4-5 months. Original Medicare and supplement is the only way to go, based on my experience.

[@Lisatn68]

I work for several different physicians. One of my doctors just started receiving phone calls from our patients stating they just received a letter from HUMANA stating the doctor would be out of network as of Jan 01, 2025. Humana never notified the provider. I received a copy of the letter they are sending to patients. They are giving 3 other providers the patients can switch to. We are going to help these patients change from Humana to a different plan.

[@ChristopherWestfall]

Thank you - we can definitely help them. Please have them reach out. That's the benefit of being INDEPENDENT, and our service is free to the senior. 1-800-729-9590 seniorsavingsnetwork.org/medicare-help/

[@stevenlarkin1706]

Those that are complaining about the government here are clueless. It is the insurance companies that are responsible for this.

[@mikesullivan5219]

I pay $175 for supplemental insurance and I also pay $175 for medicare insurance...per month..... I believe my supplemental deduction is somewhere around $300......a year...... On fixed income........ Both go up every year along with everything else seems like we're getting squeezed.....

[@msalexander1955]

Thankyou Christopher for your report's. I'm glad I never left original Medicare. I share all your reports on the Facebook public newsfeed. 🙂👍💖

[@ChristopherWestfall]

Much appreciated!!!

[@gerryshacter4427]

Your program is invaluable. That mention of dental plans outside of Advantage. I have yet to find dental insurance worth the cost. Premium can chew up a big percentage of the annual max benefit.

[@kelebgadol]

I left Humana in 2018 because in 2017 they changed my Tier 1 med to Tier 2, forcing me to co-pay $10. When I called them, I said, "Why are you charging me for my basic medication while paying your CEO $220 million? The customer service lady remained quiet. I have been with Aetna since and the CVS benefits are awesome (2024, $90 per quarter free on many CVS products; and $25 gift card when you see your doctor and more.)

[@susanmetz2602]

And so it begins-- 10 to 20 calls a day from 8:00am to 8:00pm to buy an advantage plan.

[@chazethewhiterabbit]

I work in medical billing / AR / coding / Precert in a medical office. It amazes me how many people don’t have a clue about how hair own insurance plan benefits.

[@buggsy5]

Excellent. If I had my way, all "advantage" plans would be banned and most of the upper managements of these companies would be put on trial for massive fraud.

[@marysteelman6534]

Worrying about my friends. We’re all 68 years old and a few of us have used your company to sign up for Medigap plans. Most are still relatively healthy, and some chose MA. I just can’t get through to them that once they have significant health problems, will be too late to get the comprehensive coverage for a great price. So frustrating! I will send this video so maybe they can get underwritten to switch. I’m still so happy with my Plan N.

[@ChristopherWestfall]

Thank you!

[@HeavensCruises]

Why did you choose N instead of G?

[@CarolJohnson-l7c]

Your great at explaining to us

[@CarolJohnson-l7c]

I have plan G my agent is trying to get me on N I am not sure. I think my G. IS GOING TO BE OVER 100.00- I don’t know weather to believe him THen I have atena he said I need to move from them because of cost. What is happening with health care??

[@CarolJohnson-l7c]

I was happy but the cost has gone wild what to do. Please vote Red

[@fitfighter24]

Hi Mr Westfall I'm on Aetna saw my ANOC now yes there were some cuts to benefits but thank goodness in my situation it wasn't one of those the sky is falling panic moments it's was much more reasonable then expected I wish everyone well with their Annual Notice of Change I'm battling a life threatening autoimmune muscle disease so the benefits are crucial thankfully the cuts weren't catastrophic as they could have been and were expected especially coming from Aetna it was scary and tense until it arrived in the mail

[@Honeybee-Hedgehog-Designs]

Thank you so much I moved to a rural area and have no HMOs here, I just got Medicare this year and I’m learning to jump through the hoops , i appreciate your advice and knowledge

[@silverforest4682]

This is terrible. The government should have just offered all services and not worried about making sure the insurance companies have business so they can keep employing people. Insurance companies that are for profit like United Health Care just suck.

[@JillofAllTrades2]

Awwww … what’s the matter? CEOs aren’t making enough millions so they’re axing programs/coverage.

[@rosannadana2922]

Heres my dilemma... Age 64..on Medicare..but really an advantage plan for last several yrs, because I cant do hundreds of $$$$ for a supplement, etc. So Ive had no choice but advantage...so do I just use Medicare and get a drug supplement or what? Or stay advantage to 65 in 1 yr...like far to many of us on a fixed income, they have us at a disadvantage

[@ChristopherWestfall]

When you are 65, a whole new world awaits. The Supplements are the cheapest, ever. Happy to show you when you're within 60 days of 65. 1-800-729-9590

[@Karen-zi8km]

Why are you on Medicare at 64. I'm guessing disability??

[@Karen-zi8km]

If you are low income you can apply for Medicaid. Tht wld be used as your secondary to Medicare. You would not hv an advantage plan ... Ever... With straight Medicare. IF you qualify for medical assistance, depending on your eligibility, it may pay your premium only.. or it may pick up anything your Medicare does not 21:06 21:08 cover. But you need to apply for assistance.

[@Karen-zi8km]

You will never pay for medical assistance as a supplement to your medicare

[@Karen-zi8km]

Big profits for insurance agents with advantage plans

[@cog4life]

Yes, even on my traditional part D notice of changes shows a $2K cap instead of what we’re used to (like $5k). So clearly, I’m like, What’s the catch??? PLUS..my spouse’s traditional D plan PREMIUM has gone DOWN(?) less than half! No, no….I’m not crazy. There’s a catch to this. People better check ALL THEIR MEDS ON THE FORMULARY. BTW, they HAVE TO send you a PRINTED copy of the drug formulary. But you better ask ASAP, so you have time to swap.

[@nancyhouston5253]

Thank you soooo much for the info. I'm 78 and have never had such a comprehensive presentation.

[@ChristopherWestfall]

Thank you, Nancy!

[@gordonkraich3129]

So glad you have this channel. I found it last year and subscribed and glad I did. You keep us very updated. Thanks for all you do.

[@ChristopherWestfall]

Thank you so much!

[@lindawest4580]

United Health changed me from a PPO to a HMO and never notified me for the 2024 year! I also have Medicaid. I can't even find a doctor now because of my Advantage plan.

[@knitterliness]

But Supplement plans in my area area all in the neighborhood of $300 per month. Try paying for that when you're on SS. So I got an Advantage PPO for 2024... and I have waited over four months to get my "introductory appointment" with my new PCP. By the time that appointment happens in mid-October (waited since June), I'll be ready to ditch that plan. I've already received my NOCA on it and it's going up 13% and losing some coverage at the same time.

[@HardRockMaster7577]

I live in the DFW Metroplex. I'll be looking to see how my UHC Plan is changing. Choosing the right Advantage Plan now, is like it was years ago trying to choose the right cell phone plan--- so many variables.

[@ChristopherWestfall]

Or let us do the research and comparison and enrollment for you so that you have an accountability partner who knows the industry. You don't have to do self-service here. Our help is free. 1-800-729-9590

[@carlenekingery8860]

Absolutely love your videos! The information you provide is so valuable and understandable! Thank you SO much!

[@ChristopherWestfall]

Glad you like them!

[@TulipWife]

😢 I have no choice but Medicare Advantage because I'm 52. This is not fair. The supplement plan I wanted was N But way to expensive because of my age. So what should I choose? I do like original because of the freedom of choosing and things are covered. But that 20% could be 100s of thousands of dollars. This is frustrating.

[@ChristopherWestfall]

I answer this here: MedicareOnDisability.com We can help. SeniorSavingsNetwork.org/AEP

[@ElizabethRose-fz4rh]

I'm fortunate to be able to change any time! Thank you!

[@sandrawatkins2656]

I have not been able to get an Advantage plan for several years now, in a rural county. I find this disgusting in a country that thinks it is the greatest. I know this election may make medical health issues worse. Don't know how I'm to do it. Creed. Big business is out of control and needs LESS tax breaks. We, the people, need them!

[@ChristopherWestfall]

See: MedicareAdvantageNearMe.com

[@nettie3485]

Awesome video! Thank you for providing so much information 👏

[@ChristopherWestfall]

Glad it was helpful!

[@archiehendricks6093]

They say lowering drug premiums but most charge no premium. But the innetwork max out of oocket going from $5600 to $6700 Then radiology xrays mri price up. Among other things.

[@MrJimmyJoe6000]

The inflation reduction act. I wonder how many seniors will know what actually drove these changes. Will the media tell them??

[@deniseebayer7465]

Thank you for all the information!😊

[@ChristopherWestfall]

Thank you for watching!

[@NorKavon]

I have MA. Got notified from all 4 Dr's that I normally see for last 8 years that my insurance no longer accepted after December.

[@bonneyraven5281]

Thank you, good clear advice, finally!❤

[@ChristopherWestfall]

You're so welcome!

[@judy6747]

My Advantage plan in Florida is great! Been on it since Jan 2016. It hardly costs me anything and they have told me they are getting rid of the infamous “Donut Hole!” This is a local company and I believe they will fine. I got the overview book but waiting for the other two books one with facilities and Doctors and the one with the drug tiers by drug. My brother and wife has Medicare with supplement and supplement costs them $8000 per year!

[@virginiathompson5320]

Thanks so much for this information. I don’t plan on seeing any doctors at all unless I’m dying;)

[@ChristopherWestfall]

That's a great plan for some folks, but be careful!

[@stevenlarkin1706]

I was an insurance agent. I would not sell any advantage plan.

[@cynthiajubiter6889]

MEDICARE ADVANTAGE IS A PRIVATE COMPANY. NOT MEDICARE WHICH IS GOVERNMENT FUNDED.

[@ChristopherWestfall]

Yep.

[@keeshlon]

Got a mailing from Humana today (September 28th) that they will no longer serve Onondaga County as of January 2025. Thank God I have the V.A. for prescriptions!

[@ramonab]

Thank you, you helped me decide to stay with my Medicare Supplemental plan. Now to decide which Part D plan to go to.

[@ChristopherWestfall]

I'm glad this info helped you make a good decision!

[@deborahbuford8356]

Thanks!

[@lisaclark2605]

My Aetna Silverscript went from 13.30 to 48.30! Ridiculous!!!!!

[@ChristopherWestfall]

Not at all surprised

[@judithmorin4663]

Same here! Went from 8.80 to 48.80😳

[@KatheeRN]

I don't come close to reaching the drug plan deductible so I pick the cheapest plan available to me. I refuse to get on that medication train that doctors are putting ppl on now. Hospitals buying out doctor groups was the worst thing to happen to so called HEALTHCARE. And it's only going to get worse for us seniors!

[@Savannah-ed4rv]

Wow.

[@barniaburton1205]

Well mind i56.90 to start with .I’m sure it will be more.And I have to pay 590.00 for the first prescription January because I take Eliquis which is a blood thinner prescription

[@shinealightt03]

I have united healthcare. Maybe they bill for more because the doctors are actually allowed to treat you and not just let you die.

[@beverlytaylor7747]

San Diego, CA Sharp Healthcare is dropping Medicare Advantage PPO. Scripps dropped them as of Jan. 1st 2024. They are really only game in town.

[@ssalley68]

Back in 2015 my friend was a NP and they paid her over $100000 a year to go to peoples houses to search for high risk diagnoses to get more money from the government for risk adjustment. She only saw like 3 patients a day. That was United Healthcare

[@MargaretCarlson-d3s]

I hope I will not receive 15 phone calls a day from Oct. to Dec. from Medicare. They always begin with “And how are you today?”

[@Zest4life890]

Supplemental insurance is very expensive, I’ve checked and I’ve heard the plan G is not to good

[@ChristopherWestfall]

Plan G is a bad deal, for most people. See: PlanNMedicare.org 1-800-729-9590

[@rachelw7078]

Thank you so much i see so many ppl get taken advantage of my parents as well even after i educated her

[@kingsolomonkat]

Thank you for this information. I live in Maine and I tend to look to Eastern Agency of Aging to guide my insurance coverage.

[@laurafahey542]

We need more .

[@8aNda1d]

Wow. Im glad I caught your video. Ive been waiting for my ANOC in the mail . Just checked my email and guess what? THANK YOU! I'm planning on changing to original M'care anyway

[@Starli7777]

A excellent video simplified

[@ChristopherWestfall]

Thank you!

[@gidgetwilson6337]

Thank you Chris . God bless you and yours.

[@ChristopherWestfall]

You are very welcome. Thank you for watching!

[@frantyi6424]

I was wondering why my dentist sent me a letter tell me my account is changing and I need to make a appointment before December WOW!

[@babysisdolls3336]

I am turning 62 in Nov....i plan to work past 65...if able...my Non-Profit employer charges $11 for my health insurance......i do plan to retire at 70...

[@MsAure]

I guess we know who we are voting for.

[@ChristopherWestfall]

Do tell

[@lyndayoung8761]

Yes vote against the clowns that think Private FOR PROFIT (privatized) Insurance companies will be better, cheaper than Original Medicare. Who thought they would look for loopholes to line their pockets (saying annuitants are sicker than the are) and use their control over care above patients medical needs. Many in Congress are lobbied by insurance companies to make Medicare 100% only Managed Care.

[@barniaburton1205]

It sure would not be Harris .

[@cl5193]

Trump 100%. MAGA candidates 100%. The addition of RFK, Jr. to the transition team made this decision all the more hopeful.

[@Honeybee-Hedgehog-Designs]

Who ??? And do you believe them ?

[@sarinalight7422]

I understand you *may not* have any help or suggestions. I thought I’d send part of the ordeal after I received a dx 15 years ago. I noticed my health was worse due to unnecessary stressors (some due to me during my process of learning about my dx. some due to them). This Year, 2024, I scheduled a home visit in early June, which was for a 3 hour window. On the day of my home visit appointment, i didn’t take any clients. 3:30-4p prior to preparing dinner, I called, asking if “they were on their way?” I was told “My appointment had been cancelled”. I asked when/why?? No reasonable expectations had actually been given. I hadn’t reschedule the home visit. I appreciate your topic. Took note of number & website you provided. Thnx again.

[@fayeb.5855]

HMO’s are really limiting.

[@joycethreattto2115]

Great information,thank you

[@sonjo2419]

Hello.. I’m in advantage plan. I’ve noticed that al REAL dental plan only will pay so much in a major dental happening. Which once I get the estimate of costs from the dentists that cost is waay more then what the REAL dental plan covers for the year.

[@Zest4life890]

@@sonjo2419 For my advantage plan. Asked the office staff for codes of your check up and always call your dental pan representative and they’ll find out if it’s correct, I was told a fib also about coverage, I left the dentist sat in my car and called my dental provider and they stated that I had full coverage 100% for a deep cleaning periodontal up to 4x a year no deductible

[@hawaiingirlbeth]

The only gynecologist is 2 hours away and they don't have an opening until May 2025! Good ole rural America. Love it here but there's no healthcare.

[@purplemoon7521]

So very glad I saw this!! Thank you!! I have a supplement plan theu Humana and my medication are so high and I hit the donut hole by May and then I really can’t afford them

[@archiehendricks6093]

I had a broker set me up for dental from australian co , said it was best. $117 month. Dentist called it coupons and did not want to deal with insurance. I end up paying $16000 out of pocket.

[@BeckyVaughan-y5n]

I liked a dental company in TX that offered payment options depending on what you set as a monthly payment. Very reasonable rates.

[@dewuknowofHyMn]

Is it best to go back to Original Medicare ????

[@ChristopherWestfall]

seniorsavingsnetwork.org/advantage-to-supplement-help/

[@Lovemy60to70era]

My Florida Humana PPO sent a notice I now have to pay first 6 days in the hospital. I sure hope I can go back to Medicare with supplemental.

[@ChristopherWestfall]

Yep... one of them myriad of ways they're taking more money from you.

[@jaaadeee938]

I so appreciate your channel!!! Just subscribed. It all makes my head spin. Question - I was denied my 1 medication refils b.c. I had not seen a doctor in a year. Is that legal? How do I deal with this medical tyranny? So, I made an appointment that cost me $200 to spill my guts of how poor I am, and explained that their standard of care is not my standard of care. I explained the only reason for the appointment was to recieve my medication. He wants me to come back in January. Not a clue why after what I had just explained. Once he found out I had to sign up for medicare in the next few months, his first words to me was to get a $5 to $7,000 xray when I recieve medicare. Did he not hear a word I said???? Read all the comments. Oh boy!! I avoid drs/meds/hospitals like the plague! Especially after what has happened the past few years. I'm not trying to live to be 100, ride the medical merry go round, or pop what they are pushing!

[@Horselackey]

HMO uears ago caused my Mothers cancer to spread.. theywouldn’t check or give her tests for her kidney cancer… another Dr found it and said “ they should have found this long ago!” But Dr’s were paid for cost cutting

[@DeenaFix-zr4ew]

My handicap has gotten far worse .. I need now to get lots more help... My Dr said she'd help me get on A and D plan. After hearing this I need to get back on original Medicare.... Any advice out there to help me!! Help ... I found out that on my insurance plan ... They had me down with heart failure and I don't have anything wrong with my heart. Also some type of kidney failure.... My Dr told me I had to call them and let them know I didn't have any of it ... How do I get that off of my insurance information...

[@schwalleyf]

Thanks!

[@ChristopherWestfall]

Thank you!!

[@avalonminpins]

Devoted health raised the CO pay for specialists from 5 to 45$!!!! And they changed their name, so they've been bought out. Not only that all the costs are up, but they did lower the premium by dollars.

[@billygraham5589]

I just realized I was defrauded by a salesman for SCAN A year ago. He was the ONLY person calling me about getting me signed up for Medicare. Said he was would on contract with the state of California because the State had gotten behind in enrollment post pandemic. He signed me up for an Advantage plan. Said it was my best choice for a Medicare plan. but I would NEVER have taken his crappy Advantage plan if I knew what he was talking about or knew the truth. I thought he was working for the State…I just called an attorney having learned about Medicare in the last few days. Filed a complaint with the California Dept. of Consumer Affairs.

[@bivoryforsureivory3872]

Thank you so much for this blessed info. Thank you thank, Thank you Chris!

[@ChristopherWestfall]

Glad it was helpful!

[@donnaaskew3684]

I have Humana Regional PPO ADANTAGE plan. I have really liked it. I just got my book so will be checking it out. I hate that its changing, it has been great for 4 years now.

[@ChristopherWestfall]

Changing a lot. If you want help reviewing options, we're here: seniorsavingsnetwork.org/AEP

[@carolynstine3465]

But there is a percentage of a Medicare Supplement coverage that the insured has to pay. Say 20%?? Then on top of that you must pay a higher premium than you would on Medicare Advantage. So what is a person to do, especially if they don’t qualify for Medicaid or any state programs? So they have to take Medicare Advantage.

[@ChristopherWestfall]

No! The Supplement is what pays the 20% Medicare does not cover. See: PlanNMedicare.org for examples 1-800-729-9590

[@KatheeRN]

Unfortunately you get what you pay for.

[@wendywhite2642]

The idea is that if you can’t afford a supplement plan you can get assistance. But the deal is if you go Medicare advantage over original Medicare, your benefits will not be deep and if you need long-term, skilled nursing care or expensive drugs, you won’t get it on Medicare Advantage.

[@Savannah-ed4rv]

It's a tough situation.

[@songman68]

If you go on Plan G or Plan N that 20% is covered by the supplement plan. On plan G once you reach $240 in out of pocket costs for doctor visits you will pay nothing else out of pocket to see a doctor for that rest of the year. On plan N once you reach the $240 out of pocket. That 20% is also covered minus a small copay for up to $20 for doctor visits.

[@joannejohnson85]

Thank u for providing this info on mcare disadvantage plans. Hope people understand these plans are horrible!

[@Karen-zi8km]

They are "ok";for a small group of ppl if you don't go to Dr much or hv any chronic problems. Or if you don't go out of state for travel. Because chances are tht state what accept

[@Karen-zi8km]

Won't accept. Sorry

[@georgeedward602]

My Humana HMO got really lean I'm going with a plan B, give back PPO plan this time, and pray I do not get really sick.

[@melodybaker2337]

My flex spending account dropped $500.00 last year. On top of that, they changed where I could spend it.

[@MaryBuckingham-d3b]

These companies must be made to do better by seniors.

[@ChristopherWestfall]

Amen.

[@teresahunt7649]

Advantage is losing money, always has. Only Aenta is laughing all the way to bank. Now reg plan is no picnic. I pay my yearly deductible plus for 2025 premium is $108. Type 1 diabetic. Advantage wouldn't cover my needs. Part D wouldn't cover my diabetic supplies either. So my regular Medicare is well worth it. If you're healthy you are blessed however if you got say...cancer on Advantage you could NOT switch to regular insurance. They only accept you w/o prior conditions. Such a racket!!! Bet the aliens can get coverage!