Explain to me why Medicare Advantage plans are bad.

Discussion in 'Politics' started by healthmyths, Aug 18, 2012.

  1. healthmyths
    Offline

    healthmyths Gold Member Supporting Member

    Joined:
    Sep 19, 2011
    Messages:
    9,887
    Thanks Received:
    996
    Trophy Points:
    190
    Ratings:
    +1,135
    I am on Medicare.
    I have a Medicare advantage plan.
    The differences...

    My Medicare Advantage plan Versus Traditional Medicare Fee for Services (FFS)
    More money in my SS check
    Under my Advantage plan..My SS check is NOT reduced by $1,156 annually ---
    Under Traditional FFS $1,156 deducted from SS.

    NO Co-pays
    Everytime I see the doctor NO co-pay... no deductibles zero.. nothing
    But under FFS Part B I would have to pay the first $162 and then 20% co-pay office visits!

    FREE $600 over the counter
    Every month I can order FREE up to $50 in over the counter health products.. aspirin, blood pressure meter,etc.

    Nothing from Medicare FFS.

    Little or NO FRAUD!!!
    Medicare pays a flat monthly fee to my advantage plan. NO opportunity for fraud!
    Total costs are known! And all done under the lowest bid.
    BUT with Medicare FFS hospitals are overcharging sometimes 6,000%!

    Continual Monitoring of my health...
    I am looking at a list of preventive screenings my Advantage plan wants me to complete!
    They know if I take these screenings I reduce greater problems and therefore more costs!
    They remind me to have blood tests at least twice a year.
    eyes checked every year.
    Foot specialists are paid for..

    Traditional Medicare... DOES NOTHING!
    NO material encouraging me to see my doctor!
    NOTHING.

    So given the REAL dollars difference
    $1,156 MORE in my SS check with my advantage plan
    $162 I don't have to pay but would have to with traditional FFS.
    NO co-pays versus Medicare 20% for each visit!
    $600 a year in FREE OTC products.
    Constant monitoring of my health...

    Those of you on traditional Medicare tell me you have a better deal???
     
  2. Greenbeard
    Offline

    Greenbeard Gold Member

    Joined:
    Jun 20, 2010
    Messages:
    6,378
    Thanks Received:
    1,103
    Trophy Points:
    153
    Location:
    New England
    Ratings:
    +1,115
    They're not bad. They're expensive, with little resulting consumer surplus to show for it. Their promise of lowering costs never materialized.
     
  3. NYcarbineer
    Offline

    NYcarbineer Gold Member

    Joined:
    Mar 10, 2009
    Messages:
    48,539
    Thanks Received:
    4,459
    Trophy Points:
    245
    Ratings:
    +5,365
    They're costing more than traditional Medicare. They're not competitive. That's where part of the savings in Obamacare's changes to Medicare come from. Cutting the subsidies to Medicare Advantage.
     
    • Thank You! Thank You! x 1
  4. healthmyths
    Offline

    healthmyths Gold Member Supporting Member

    Joined:
    Sep 19, 2011
    Messages:
    9,887
    Thanks Received:
    996
    Trophy Points:
    190
    Ratings:
    +1,135
    DID for me! Nearly $2,000 more with my Advantage plan in my pocket!
     
  5. healthmyths
    Offline

    healthmyths Gold Member Supporting Member

    Joined:
    Sep 19, 2011
    Messages:
    9,887
    Thanks Received:
    996
    Trophy Points:
    190
    Ratings:
    +1,135
    AGAIN... It saved ME $2,000 a year from being on regular Medicare!

    So again why would I want the Advantage plan to go away?
     
  6. Greenbeard
    Offline

    Greenbeard Gold Member

    Joined:
    Jun 20, 2010
    Messages:
    6,378
    Thanks Received:
    1,103
    Trophy Points:
    153
    Location:
    New England
    Ratings:
    +1,115
    $2,000 more than what?
     
  7. occupied
    Offline

    occupied Gold Member

    Joined:
    Nov 8, 2011
    Messages:
    10,205
    Thanks Received:
    1,281
    Trophy Points:
    190
    Ratings:
    +1,530
    I think he was talking about costs to the government, seems you cost the government 12% more than someone on regular medicare.
     
    • Thank You! Thank You! x 1
  8. healthmyths
    Offline

    healthmyths Gold Member Supporting Member

    Joined:
    Sep 19, 2011
    Messages:
    9,887
    Thanks Received:
    996
    Trophy Points:
    190
    Ratings:
    +1,135
    Oh and as far as competitive???
    YOU evidently know NOTHING about Medicare and the huge markups hospitals charge Medicare.
    Do a little research as I've done on EMTALA!
    Then see why a "good intention" legislation in 1986 has created these 6,000% markups to Medicare.
    And then tell me my advantage plan WHICH doesn't have such an issue.. is NOT cost effective!

    Medicare pays my advantage plan $800 per month.
    MY advantage plan has less then $200 costs from me so they are ahead AND I"M GLAD!!!!!!
    Because as I get older I'll have more expenses BUT the major point is Medicare still has only
    $800/month to pay out! Does NOT have 6,000% markups to contend with!

    See people like you don't do any research you just mouth off an opinion passed by the biased MSM that are total mouthpieces for the administration!
    I bet you still believe there are 50 million uninsured even though the Census says 10 million are
    not citizens, 14 million are covered by Medicaid ALREADY and 18 million counted as uninsured
    PAY THEIR OWN way when it comes to health services. They are under age 34 , make over $50k have no need for insurance as average expenditure for them per person is less then $1800!
    YET they were counted so wrongly that you and others still believe there are 50 million uninsured!
    Wrong! Less then 8 million and that fraud was used to pass Obamacare and NO one seems to care that if an organization CAN'T even figure out how many truly need their services what kind of f...king service will they perform? Is it no wonder that Medicare doesn't care they get charge 6,000% over costs!
     
  9. Greenbeard
    Offline

    Greenbeard Gold Member

    Joined:
    Jun 20, 2010
    Messages:
    6,378
    Thanks Received:
    1,103
    Trophy Points:
    153
    Location:
    New England
    Ratings:
    +1,115
    Awesome. I'm glad the government could pay your private insurer four times what it costs to treat you.

    If that's not a good use of federal tax dollars, I don't know what is.
     
  10. occupied
    Offline

    occupied Gold Member

    Joined:
    Nov 8, 2011
    Messages:
    10,205
    Thanks Received:
    1,281
    Trophy Points:
    190
    Ratings:
    +1,530
    Stick to your own topic, it is a fact that it costs more to keep you insured under MA and it is a fact that they are structured to push people who are sicker and cost more onto traditional medicare. From a fiscal standpoint they are wasting money on this particular entitlement program, are you not for fiscal responsibility when it might affect your wallet?
     

Share This Page

Search tags for this page

medicare advantage plan bad idea

,

Why is Medicare bad