“Medicare Advantage” is
NOT Medicare!
We are here to provide information about “Medicare Advantage” plans, which are often misunderstood. This is from the perspective of long-time healthcare providers inspired by the horrific experiences of patients who have been denied care by “Medicare Advantage” plans.
Win the Insurance Race, Remember the Three M’s!
✅ Medicare The original Medicare policy at medicare.gov.
✅ Medigap A supplement which covers deductibles & co-pays. Available from a trusted independent agent. If you have Medicaid, you do not need Medigap. Medicaid is your supplement.
✅ Medications Part D plan to pay for Medications. Also available through a trusted independent agent.
Avoid the Medicare Advantage Trap!
If you join Medicare Advantage, then become ill and are uninsurable, you may not be able to obtain a Medigap policy.
Potential Shortcomings of Medicare Replacement Plans
❌ Restrictive Networks
❌ Co-payments to providers, including daily charges for hospital stays
❌ Significant out-of-pocket expenses
❌ Pre-certification for procedures or admission
❌ Insurance company decides which tests/procedures are approved
❌ Caps on additional benefits offered such as dental, vision, etc.
Congress took notice. What are they doing?
