Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees

{...

Comparing Medicare costs​

Part APart BMedicare Advantage
PremiumMost people pay $0; those who don’t qualify pay up to $471 a monthStandard premium is $148.50, although those with high incomes may pay more$0

(Over 60% of Medicare Advantage members are enrolled in a $0 premium plan)
Deductible$1,484 per benefit period; beneficiaries may have to pay this multiple times a year$203 per year$0 for medical expenses

$445 for Part D
Coinsurance$371 per inpatient day 61–90, $742 per lifetime reserve day20% of allowable charges$10 for primary care, $30 for specialist care, $285 for hospital admissions
Out-of-pocket maximumNoneNone$5,900

...}

Seems to it depends on the exact plan, but Medicare Advantage plans can be good if from a actual hospital system like Presbyterian.
 

So whose big idea was all of this crap?
  1. 80% coverage
  2. Copays
  3. Out of pocket
  4. Out of network
  5. Medical necessity (being decided by people other than medical professionals)
  6. Uncovered procedure (being decided by people other than Medicare professionals)
  7. Untimely claim
  8. No referral
  9. Inaccurate coding
  10. Incomplete insurance information
  11. COBRA
  12. HMOs
  13. PPOs
  14. For profit healthcare
  15. For "non-profit" healthcare
  16. Employer based healthcare
  17. Religion based healthcare
  18. Veteran based healthcare
  19. etc.
Was any of it ever a "good thing"?
Who (generally speaking) wanted any of this stuff to begin with?
Who asked for it?
Who still wants it now?
Pick as many as you like from below:
  1. The People (government)
  2. Employers
  3. Employees
  4. The poor
  5. The middle class
  6. Workers
  7. Unions
  8. Doctors
  9. Nurses
  10. Hospitals
  11. Insurance companies
  12. Insurance peddlers
  13. Multi-millionaires and billionaires
 
We're not going to Single Payer. The arguments and complaints are moot. We're not going to have a government monopoly on our health care.

We're not going to a fully free market health care system. It leaves far too many people out, it's bad economics, and we are simply better than that.

The GOP, shockingly, is looking to do the obvious thing: Expand the best current system we have -- Medicare, with its market components -- to all.

Here's hoping. The screaming is counterproductive and very tedious.
 
Brings back a memory of about 6 years ago. Had a guy that came to a seminar and set up an appointment afterwards to talk about supplement and MAPD, for the appointment he brought in some recent EOB's from Medicare which he had been on a couple years and wanted to explain why he might need either supplement or MAPD. He had been going straight Medicare I think it was about 3 or 4 years. Well, I explained how the supplement works with Medicare and he'd pay a monthly premium and then nothing after (plan F at that time) Then explained the co pays on MAPD and physical therapy came up and I said on supplement he would pay nothing with a sup and a $40 co pay with MAPD. He pulled out his Medicare EOB's for physical therapy and his responsibility under straight Medicare was only $8.00 and said he didn't need either supplement or MAPD. Oh, he never signed up for a Part D plan and in his 3rd year of penalty which I explained.

I did explain that $8.00 he paid for pt would not apply to other procedures especially a major surgery and 20% could eat him alive he chose to stay put on A and B only. I did see him in a grocery store on and off for a few years and then one day he decided to stop and talk and told me he should have gotten a supplement when we talked at the appointment because he now indebted 20% of a major surgery of something like $15,000 (must have been a big surgery because we all know Medicare approved amounts in most cases aren't that much). As far as I know he never did purchase a Part D and now with my company did not qualify for a supplement for health reason's. Don't know if he would have qualified for UHC which is a bit more lenient if you don't purchase a Supplement when you turn 65. He wrote off a Med Advantage from the start.

At the first appt I could not get through to him that his $8.00 would not always be there. This is what happens when you deal with an engineer who wants to pick every GD think apart.
Yeah, I've sat through a zillion of those seminars and it's VERY clear that some people have a basic distrust of any system. I wonder how many people just stay on A and B and that's it. Even when it's explained to them, they look for any holes, like your engineer guy. I wonder how much money he's wasted over the years.
 
I don't know what I'm saying that has you so upset. Perhaps you could calm down a bit and just make normal points like a normal adult.

Succinctly, if possible.
Fine. Take a look at the title of this topic (again?),

"Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees"

Notice any question marks?.. Good. There are none. No one asking whether (or not past or present) insurance peddlers such as you three or four trolls here think MA plans are "good." Well, boo hoo, gee whiz, why not? Glad you asked. See, after the title, there's the OP which reveals, in no uncertain terms, why

"Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees"

Oh, you wish to disagree? Fine. Act like an adult. Quote from the OP and address the specific points you disagree with, and don't neglect to provide reputable sources, i.e. other than your gigantic fragile egos, former or current (obviously biased) employers, common salesman talking points, and so forth. Oh, and kindly cease pretending that anyone from Medicare itself ever asked you shameless clowns to quote from their website or otherwise speak on their behalf.

Or, just admit you have no intention of ever doing anything like that and kindly piss off.
 
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Likewise, I hope real "Medicare for All" passes.. soon.. and puts all you lazy, superfluous, self-aggrandizing leaches out of business.. permanently.
LOl, many insurance agents would like to see Medicare for all, millions of sales there. If you thing think the federal govt is going to handle 100% claims and your costs then there is no hope for you. You, will still have all the gaps there is today whether a 5 yr old or 70 yr old has Medicare. Hell, if that happens you might want to get your insurance license in your respective state then fan out and get non resident licenses in many other states and sell those plans in your old age from home.
 
Fine. Take a look at the title of this topic (again?),

"Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees"

Notice any question marks?.. Good. There are none. No one asking whether (or not past or present) insurance peddlers such as you three or four trolls here think MA plans are "good." Well, boo hoo, gee whiz, why not? Glad you asked. See, after the title, there's the OP which reveals, in no uncertain terms, why

"Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees"

Oh, you wish to disagree? Fine. Act like an adult. Quote from the OP and address the specific points you disagree with, and don't neglect to provide reputable sources, i.e. other than your gigantic fragile egos, former or current (obviously biased) employers, common salesman talking points, and so forth. Oh, and kindly cease pretending that anyone from Medicare itself ever asked you shameless clowns to quote from their website or otherwise speak on their behalf.

Or, just admit you have no intention of ever doing anything like that and kindly piss off.
Oh, and kindly cease pretending that anyone from Medicare itself ever asked you shameless clowns to quote from their website or otherwise speak on their behalf.

In fact they do when we get certified by CMS annually.
 
Oh, and kindly cease pretending that anyone from Medicare itself ever asked you shameless clowns to quote from their website or otherwise speak on their behalf.

In fact they do when we get certified by CMS annually.
Link? Quote?

Oh, never mind. And you think they require you clowns to be certified because they trust you? LOL
 
Fine. Take a look at the title of this topic (again?),

"Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees"

Notice any question marks?.. Good. There are none. No one asking whether (or not past or present) insurance peddlers such as you three or four trolls here think MA plans are "good." Well, boo hoo, gee whiz, why not? Glad you asked. See, after the title, there's the OP which reveals, in no uncertain terms, why

"Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees"

Oh, you wish to disagree? Fine. Act like an adult. Quote from the OP and address the specific points you disagree with, and don't neglect to provide reputable sources, i.e. other than your gigantic fragile egos, former or current (obviously biased) employers, common salesman talking points, and so forth. Oh, and kindly cease pretending that anyone from Medicare itself ever asked you shameless clowns to quote from their website or otherwise speak on their behalf.

Or, just admit you have no intention of ever doing anything like that and kindly piss off.
You're so emotional. And I don't sell these plans, I was brought in for six years by an insurer to help put them together, and I help my advisory clients navigate the options.

I've been more than clear. I'd even be happy to go into SPECIFICALLY how we can SPECIFICALLY address any issue you want to whine about. Piece by piece, cost by cost. Regulation by regulation. Down to the last benefit and member cost and reimbursement and capitation and provider contract.

The problem is that you don't know what you're talking about, and the three of us do. You certainly THINK you do, but you just don't. Sorry.
 
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{...

Comparing Medicare costs​

Part APart BMedicare Advantage
PremiumMost people pay $0; those who don’t qualify pay up to $471 a monthStandard premium is $148.50, although those with high incomes may pay more$0

(Over 60% of Medicare Advantage members are enrolled in a $0 premium plan)
Deductible$1,484 per benefit period; beneficiaries may have to pay this multiple times a year$203 per year$0 for medical expenses

$445 for Part D
Coinsurance$371 per inpatient day 61–90, $742 per lifetime reserve day20% of allowable charges$10 for primary care, $30 for specialist care, $285 for hospital admissions
Out-of-pocket maximumNoneNone$5,900

...}

Seems to it depends on the exact plan, but Medicare Advantage plans can be good if from a actual hospital system like Presbyterian.

A good rule of thumb is this, the less you pay in premiums the more out of pocket you have.
The more you pay in premiums the less you pay out of pocket.
 

So whose big idea was all of this crap?
  1. 80% coverage
  2. Copays
  3. Out of pocket
  4. Out of network
  5. Medical necessity (being decided by people other than medical professionals)
  6. Uncovered procedure (being decided by people other than Medicare professionals)
  7. Untimely claim
  8. No referral
  9. Inaccurate coding
  10. Incomplete insurance information
  11. COBRA
  12. HMOs
  13. PPOs
  14. For profit healthcare
  15. For "non-profit" healthcare
  16. Employer based healthcare
  17. Religion based healthcare
  18. Veteran based healthcare
  19. etc.
Was any of it ever a "good thing"?
Who (generally speaking) wanted any of this stuff to begin with?
Who asked for it?
Who still wants it now?
Pick as many as you like from below:
  1. The People (government)
  2. Employers
  3. Employees
  4. The poor
  5. The middle class
  6. Workers
  7. Unions
  8. Doctors
  9. Nurses
  10. Hospitals
  11. Insurance companies
  12. Insurance peddlers
  13. Multi-millionaires and billionaires

And there it is. You resent having to pay for anything for yourself. You're just one more leech trying to suck up as may dollars as you can from someone else.
 
Here you go bone breath. Medicare loves us, lol.

LOL. Yep, they "love" you so much that you clowns still have sign into their "Enterprise" website and "agree to their Terms & Conditions" just like anyone else would:
This information system is provided for Government-authorized use only.
Unauthorized or improper use of this system is prohibited and may result in disciplinary action and/or civil and criminal penalties.
Personal use of social media and networking sites on this system is limited as to not interfere with official work duties and is subject to monitoring.
By using this system, you understand and consent to the following: The Government may monitor, record, and audit your usage, including usage of personal devices and email systems for official duties or to conduct HHS business. Therefore, you have no reasonable expectation of privacy regarding any communication or data transiting or stored on this system. At any time, and for any lawful Government purpose, the government may monitor, intercept, and search and seize any communication or data transiting or stored on this system.
Any communication or data transiting or stored on this system may be disclosed or used for any lawful Government purpose.
I tried. Even warned you not to bother. But you just couldn't help yourself.. Stepped right into that poo. :auiqs.jpg:

Again, show where "anyone from Medicare itself ever asked you shameless clowns to quote from their website or otherwise speak on their behalf." Providing evidence of them warning and threatening you not to simply doesn't constitute the mustard.
 
You're so emotional. And I don't sell these plans, I was brought in for six years by an insurer to help put them together, and I help my advisory clients navigate the options.
You're so emotional that you can't simply admit that you worked for a major insurance company for six years? That's all I calmly accused of and you've now confirmed it. I knew that already, btw. You've mentioned it previously at least once. Try having a relevant point.
I've been more than clear. I'd even be happy to go into SPECIFICALLY how we can SPECIFICALLY address any issue you want to whine about. Piece by piece, cost by cost. Regulation by regulation. Down to the last benefit and member cost and reimbursement and capitation and provider contract.

The problem is that you don't know what you're talking about, and the three of us do. You certainly THINK you do, but you just don't. Sorry.
Just keep repeating that trollish bullshit. Maybe you'll actually believe it yourself some day..

I just finished asking you to address the topic OP "SPECIFICALLY" or piss off. Did I stutter? No. The problem is you're deliberately not addressing the topic and actively diverting from it instead. Have you somehow failed to notice that no one but you insurance peddling clowns is interested in your arrogant "Piece by piece, cost by cost. Regulation by regulation" 'splaining offers? Gee, maybe that's because we've been sick of reading that shit for decades? So you still get rich from doing that? Good for you. No one cares. Piss off.
 
You're so emotional that you can't simply admit that you worked for a major insurance company for six years? That's all I calmly accused of and you've now confirmed it. I knew that already, btw. You've mentioned it previously at least once. Try having a relevant point.

Just keep repeating that trollish bullshit. Maybe you'll actually believe it yourself some day..

I just finished asking you to address the topic OP "SPECIFICALLY" or piss off. Did I stutter? No. The problem is you're deliberately not addressing the topic and actively diverting from it instead. Have you somehow failed to notice that no one but you insurance peddling clowns is interested in your arrogant "Piece by piece, cost by cost. Regulation by regulation" 'splaining offers? Gee, maybe that's because we've been sick of reading that shit for decades? So you still get rich from doing that? Good for you. No one cares. Piss off.
Yeah, I didn't think so.

And no, they just contracted me to come in to provide input on the financial side.

Calm down. You keep going off topic. You keep making irrelevant points. You keep trolling.
 
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You're so emotional that you can't simply admit that you worked for a major insurance company for six years? That's all I calmly accused of and you've now confirmed it. I knew that already, btw. You've mentioned it previously at least once. Try having a relevant point.

Just keep repeating that trollish bullshit. Maybe you'll actually believe it yourself some day..

I just finished asking you to address the topic OP "SPECIFICALLY" or piss off. Did I stutter? No. The problem is you're deliberately not addressing the topic and actively diverting from it instead. Have you somehow failed to notice that no one but you insurance peddling clowns is interested in your arrogant "Piece by piece, cost by cost. Regulation by regulation" 'splaining offers? Gee, maybe that's because we've been sick of reading that shit for decades? So you still get rich from doing that? Good for you. No one cares. Piss off.

Oh look, an internet troll and ignorant to boot. CMS protects it's enrollee's, it sets down the rules and regs that have to be followed by everyone. Your ignorance and hatred have made a mess of who and what you are.
 
Yeah, I didn't think so.
Freudian non sequitur?
no, they just contracted me to come in to provide input on the financial side.
Right, you worked for them. Made money from them. They employed you. Weasel.
You really don't want to admit that that's why you're here. No other reason. Defending your former employers. Your chosen bread and butter. Your gift horse. You're a financial advisor and insurance firms still pay you substantial kickbacks based upon total investments directly or indirectly attributable to you. Ready?.. Squirm.
Calm down. You keep going off topic. You keep making irrelevant points. You keep trolling.
Pathetic denial and projection there, Bub. Try quoting directly from the OP and responding to stuff actually written there.. Even Debbie had the balls to flail at that some..
 
Freudian non sequitur?

Right, you worked for them. Made money from them. They employed you. Weasel.
You really don't want to admit that that's why you're here. No other reason. Defending your former employers. Your chosen bread and butter. Your gift horse. You're a financial advisor and insurance firms still pay you substantial kickbacks based upon total investments directly or indirectly attributable to you. Ready?.. Squirm.

Pathetic denial and projection there, Bub. Try quoting directly from the OP and responding to stuff actually written there.. Even Debbie had the balls to flail at that some..
And again, no specific points, just attacks.

Boring.
 

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