TRADITIONAL MEDICARE OR MEDICARE ADVANTAGE?

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#medicare #medicareadvantage #medicarecoverage #medicareinsurance #askdrmudgil

What’s presented here is my opinion. I believe traditional Medicare is far superior to Medicare Advantage plans, which are administered by self-serving, greedy, heartless private insurers.

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I’ve waited to respond as I agree, but also wish to share my personal 12 year experience with advantage Medicare programs (Aetna, BC/BS, Humana). Straight Medicare does not cover RX, Dental or Eye. Advantage programs do for the same monthly cost. I guess I’ve been a fortune patient, as several of the procedures I’ve had straight Medicare would have only covered at 80%, and I’ve paid maximum of $250 with Advantage. I pay $0 for my PCP and $20 co-pay for all Specialists. My RX plan is fantastic. You can shop for additional coverages with Straight Medicare, but the monthly cost is exorbitant, which is difficult for a lot of the elderly, especially in today’s economy. I realize it’s a double-edged sword.

MyBailee
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I read thar N.Y. Times article. It was informative, and depressing - there doesn't seem to be much in alternatives. You are right- healthcare insurance is sub par, but government doesn't want to deal with it because of insurance companies profiteering and government allowances of insurance companies profiteering. The whole system sucks and is totally broken!

marthawood
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Thank goodness I'm British, the NHS may not be perfect but I have not had to worry about medical bills. Aneurin Bevan, God bless you!

mariamardon
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I am on disability, so I am under 65 and on medicare. Figuring this out is SO CONFUSING!! I don’t know how they expect elderly individuals to understand all this. After how ever many years, I finally got my mom to realize she could change her advantage program.
And, as someone who goes to the dr regularly, on medications and needs dental coverage, I NEED an advantage program.
Some elderly already have insurance from previous employers, etc and do not need to select anything.
I understand your dislike for the private companies, I dislike as well, but I have no choice.

sassyh
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I have traditional medicare and I love it. I have never had problems with co pays or them not paying. I do have medi-cal as well so that pays for my monthly payment. With both I'm very happy. I get calls all the time for the advantage plan and I tell them no. Now finding a Dr who takes both is a pain in the patoottie. Well said Doc!

kealyphillips
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Thank you Doc. You made this so clear for me. You're the Best!👍🏽🥰🙏🏽🌴

MiniCuisu
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Thanks, Doc! Sharing for all my friends to here! It's important!

corsmith
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MASHALLAH! Thank you for the clarity (and "transparency").

Gypsumite
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