Pros and Cons of Medicare Advantage Plans ACCORDING TO OUR CLIENTS

In this video we'll discuss how Medicare Advantage plans work and what the pros and cons of Medicare Advantage Plans are.

After we go over the basics, we'll share some of the feedback that we've gotten from thousands of our policy holders who have enrolled in these plans, so that you'll know what things people tend to like about Medicare Advantage plans and what things they're maybe not so crazy about.

Click here to get our free PDF guide about Medicare Advantage vs. Medigap plans:

Two routes you can go with Medicare (0:57)
Requirements for Medicare Advantage plans (1:36)
Coordination of Parts A, B and C (2:25)
Medicare Advantage plan basics (4:35)
Network of doctors, hospitals, suppliers (6:29)
Pros about Medicare Advantage plans from clients (7:49)
Cons about Medicare Advantage plans from clients (14:13)
Switching from a Medigap plan to a Medicare Advantage (24:34)
Annual Changes (25:12)
Are Medicare Advantage plans bad? (26:02)
Questions to ask yourself before enrolling (26:55)

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[proudgrandma]

I recently worked in a hospital; advantage plans always denied their members to go to acute rehabilitation, even if the attending MD thought it was the most appropriate level. They would only approve nursing homes, and only a few days. All discharge planners where I worked dreaded making referrals for patients on advantage plans because of tiling approval process (closed on weekends) and the frequent denials. Then, the patients a f families could not understand why the delay. It was their crappy insurance that they were conned into taking. They never knew the down side because the insurance states they cover everything that Medicare covers (lie). That has been my observation. I recommend to my family and friends to stay with traditional Medicare with a supplement.

[pattiaustin]

As I understand it, a switch from traditional Medicare + supplement (mine is Plan G) to any Advantage plan is a downgrade, so is always possible. But a switch from Advantage back to traditional Medicare + a supplement is an upgrade, which subjects people to medical underwriting. Be careful what your original choice is, upon first eligibility, because downgrading to Advantage is pretty easy, but upgrading to Medicare + a supplement (MegiGap) can be difficult and expensive.

[christophercolt]

Very clear and comprehensive comparison of Medicare Advantage and Medigap plans.
I think the presentation was extremely fair to both plans.
I think most people could benefit from watching this video at least two times.
My takeaway is that Medigap plans are the best approach if you can afford it,
but Medicare Advantage plans can still give very good coverage if you can't afford Medigap.
Superb job. Incredibly helpful. You provide a very useful service.
You are a very good teacher.

[garyharrell]

I have been in the insurance world since 1998.I have trained hundreds of agents.I have to admit this lady is the most knowledgeable agent.If I was not in the industry I would buy from her.

[kelseymundfrom]

Danielle, you do SUCH a great job of explaining these pros and cons. Thank you!

[life]

Wow...wow...wow !!!! Should have studied these at age 25 and not 65 !!! Such confusion and feel like going to school to study it's complications. I'm 69, beginning to use its benefits....boy oh boy...tough to Wrap my brain around it.
THANK YOU FOR SHARING THE INFORMATION. GREATLY APPRECIATED.

[ggjr]

This is a great explanation of Medicare Advantage. Most channels I see covering Medicare mostly talk about the medigap plans only vaguely mentioning the Advantage in a negative fashion. That said I have trouble understanding how people don’t understand the hmo/ppo aspects of the Advantage plans. Most employer provided insurance are hmo/ppo. Co pays, out of pocket expenses, co insurance and prior approval requirements can’t be a surprise to most people.

[commonsense]

I still like my 5 star Advantage Plan, it 's saved me a bundle over the last 6 years. No complaints.

[fgreenmusic]

You explain the pros and cons very articulately. You mentioned prior authorization delays, however, but did not discuss denials. Not all treatment is approved.

[daltonknox]

The best Medicare in my area is Kaiser's Advantage plan, not just because it saves a huge amount of money, but rather because it is an integrated system where things don't fall through the cracks and the staff are all direct employees so there is no fee-for-service care, nobody is incentivized to perform unnecessary procedures or office visits and a lot of stuff can be handled online. As a retired physician who spent over 40 years in health care, they get my vote.

[billyrayband]

very fair breakdown, unlike the mind numbing commercials on TV.

[paulasiefer]

Thanks so much, You did a great job! It's helping me to understand more and I've learned something with this video. I must share this with my friends, she's turning 65 next year. thanks again!

[arthurmontana]

Brilliant and professional analysis in every way. The delivery was so congenial, that even this boring subject matter seemed lively and interesting. Thank you!

[timothymckeon]

Such a great explanation of a complicated topic. Great job and thanks so much.

[alexroland]

This is great information! Can't wait to share this with others!

[garykorzelius]

Thank you for making what seemed like a perplexing maze of details into something I can understand. I can now begin to search for what will best work for me.

[commonsense]

I've had a 5 star-rated (by CMS) Medicare Advantage Plan since turning 65 and going on Medicare, and I (mostly) like it. Have had it for 5 years. BUT, if you get an Advantage Plan, don't get less than a 4 star plan. 5 Star is the best, but there are only 2 of them in my state. THESE RATINGS ARE SO IMPORTANT AS QUALITY INDICATORS, yet most people don't pay attention to them and choose a Plan only by premium! My opthalmologist actually remarked to me recently, "You have very good health insurance!" (I was surprised at his remark because I don't think we were even discussing insurance at the time, lol.)

[anthonyrichardson]

Great job breaking this down Danielle!

[coreyparker]

Thank you for always breaking down the information for us

[jeanl]

Great seminar info- in the comfort of my own home and I made my own steak dinner. Thanks!