12/06/2023
Soapbox time.
Two clients of mine that carry Medicare Advantage plans have had surgery recently. I’ve asked their permission to share their experiences.
Client #1: Had surgery and was billed over $53,000. My client’s Medicare Advantage plan paid all of it except for a little over $360 (the listed co-pay for her plan) She had another policy she pays $55/month for that reimbursed her for this co-pay.
Her monthly cost for these 2 plans: $55
Client 2: Had a surgery and was billed close to $14,000. Her Med Advantage plan paid for everything except her co-pay. She paid a little less than $360.
Medicare Advantage plans aren’t the best fit for everyone, but they provide people affordable health insurance. They work like group health insurance plans. I have clients that have never had health insurance until they turned 65 because it was unaffordable. These plans give people who can’t afford Medicare Supplements options better than any group health insurance plan I’ve ever had with any of my previous jobs. Health insurance is far from perfect, but to refer to these plans as scams is not accurate. If you have questions about how they work, ask a licensed agent that has passed their AHIP exam, and offers the plans. Telling someone to cancel their Medicare Advantage plan with out giving them any other guidance is not in their best interest. If you are worried you or your loved one isn’t on the best plan for them, call me or another local agent so we can show you different options, and the pros and cons of each.
Getting off my soapbox now, thank you for reading.