MA plans lure people with illusory benefits and ads. Then they may be stuck due to lack of guaranteed issue protection in most states after first 6 months.
Hey Merrill- nice piece. I have one issue with it though. The Advantage plans Elaine and I have with Blue Cross are PPOs (not HMOs) and even though they do have a list of docs “in network,” there is no financial penalty for using out-of-network docs…the co-pays are no different.
MA plans lure people with illusory benefits and ads. Then they may be stuck due to lack of guaranteed issue protection in most states after first 6 months.
Agree. I also used MA in first 3 years for same reason. Back in Original Medicare and it is so much better.
Hey Merrill- nice piece. I have one issue with it though. The Advantage plans Elaine and I have with Blue Cross are PPOs (not HMOs) and even though they do have a list of docs “in network,” there is no financial penalty for using out-of-network docs…the co-pays are no different.