When Choosing A Medical Advantage Plan ... You Would Be Wise To Do Your Research

Photo of Gloria Faye Brown Bates 2022
@GrannyGee (3517)
Louisburg, North Carolina
November 25, 2022 11:03am CST
Recently I signed Skip and I up for a medical advantage plan ... before ... doing my homework. Needless to say, I canceled it yesterday, it won't take affect January 01, 2023. It seems people are leaving medical advantage plans for ... the same reasons they signed up for them. Some of the reasons are ... limited coverage and finding a doctor who accepts the plan where you live. Also, you could end up paying what you thought your plan pays. Then, this one would hurt people who travel ... it doesn't cover going out of network and you pay high fees to get medical treatment. Your deductibles, co-pays, etc. are higher than original Medicare. You could end up having to pay a lot of money out. Of course you need to research all of this for your own use as everyone's medical issues differ. So, when you read what I wrote know that I am not an expert on all of this ... however ... I am an 'expert' on my life, medical issues. If you have questions please don't ask me ... go online, call someone to answer your questions. I am writing why it's ... not good for us. At first learning about these plans it looks so good. Well ... I know it could be good for people who haven't been very sick, people who stay in one place ... and this is strictly my opinion ... if you use these plans you have to use them lightly. You don't have choice choosing a specialist ... your primary doctor decides all of that. I keep remembering as I write the things that doesn't work for us. After signing up for the plan I began having panicky feelings. That prompted me to delve into learning more. I could foresee problems down the road when one of us would become ill. I don't need any shocking surprises if Skip became sick ... I don't want Skip to be in for any unpleasant surprises. We both have had a lot of very serious medical issues through time. For all I have written I could keep listing why the plan wasn't good for us but, I won't go into detail. What is important is ... I researched, found out ... a medical advantage plan wouldn't be right for us. I am so thankful I asked questions ... this prevents upset later down the road. Just know this ... your medical advantage plan might work perfectly for you ... but ... not for me. No one has the same identical medical needs. My opinion again ... strictly my opinion whether I am right, wrong is ... if you don't have serious medical conditions, you won't be moving around ...this might be good for you. It's not good for me.
3 people like this
2 responses
@RubyHawk (99421)
• Atlanta, Georgia
26 Nov 22
That's exactly why I'm afraid to change my insurance. I'm afraid I'll make a mistake and it will be too late to change back to what I have. I would love a plan that pays more and the premium is less but it might not be possible.
1 person likes this
@GrannyGee (3517)
• Louisburg, North Carolina
27 Nov 22
I understand so well. It's too serious to make a rash decision.
1 person likes this
@RubyHawk (99421)
• Atlanta, Georgia
27 Nov 22
@GrannyGee There is so much at stake.
1 person likes this
@GrannyGee (3517)
• Louisburg, North Carolina
2 Dec 22
@RubyHawk OH yes, you are so right. One can't afford to make a mistake.
1 person likes this
@kaylachan (59293)
• Daytona Beach, Florida
25 Nov 22
You're right, you shouldn't blindly go into things like that. It's sometimes a costly mistake.
1 person likes this