Mine did.

Caveat emptor, folks. Do the homework. Shop around. Talk to people.

Makes me wonder whom I can trust.

...have all sorts of incentives to get folks on it like gym memberships, home delivered meals occasionally, etc. nut when you really need care, the coverage is poor compared to traditional Medicare.

open heart surgery, ablation...etc. I have been in and out of the hospital since. I had multiple blood clots three weeks ago...spent two weeks in the hospital...had just gotten out to...had an allergic reaction to Amiadorone...it will heal but damaged my lungs... it has been very expensive and my Advantage plan has been great and covered almost all of it. I also have coverage for Eliquis (expensive) and Prednisone in my hospital plan. My coverage now is less costly and better than my first traditional Medicare plan.

far less expensive than trad medicare + supplement. I'm glad I have it. It DOES pay to shop around.

Private companies until you are too expensive to keep, then they will kick you out and the public system you were starving will pick you back up to cover the most expensive part of your life

If it doesn’t happen that way you just got lucky because what I described is their business plan

And it was a constant struggle to get approvals before care to the point of delaying recovery and increasing her physical suffering and the whole families emotional suffering having to watch it all. I suppose like any other insurance product there are good companies and bad companies and I suspect she and her husband bought more on cost than quality and unfortunately paid for that. You have been through a lot and I wish you the best and an ongoing recovery.

Traditional Medicare is expensive and it utilizes insurance as well... for pharmacy and care. I pay nothing ....and I get back part B... It is $400. a month in extra Social security.

We had an excellent plan in FL and when we moved to NC we were worried we would have a hard time one to match what we had. We did find one that is good, though not as good as FL. We believe we are fortunate to have what we have here in NC and also get a good portion of Part B back. That really makes a difference in the monthly budget. I know several people back in FL that have had many, many issues and they have always been satisfied with their MA plan.

As she encouraged me to sign up for traditional Medicare. She said she stuck with the original.

We’ve been working with the same insurance agents as we did for the group health insurance plan we provided to our employees for many years so we trust them. They do not sell Advantage plans out of principle. Traditional Medicare is all they’ll deal in. Advantage plans have shown themselves to be unreliable when people actually need them and many providers in Montana will not accept them due to low reimbursements.

I owe very little...less that 1200.

Traditional Medicare?

Two hours before his scheduled surgery for having a total thyroidectomy, removal of the entire thyroid. Something about the thyroid gland was messing up his medication for his leukemia. I don't understand it, but his Advantage plan denied his surgery. He had been in the hospital for an extended time, and his Advantage plan decided his surgery could wait awhile longer.

I will hold onto my G plan.

They vary from state to state, so it is possible that some states do have better MA plans than other states do. The real risk is that the plan may decide at some point to not cover something that you need to survive. Your only option at that point is to go back to Medicare. The catch is that you now may pay more for your supplement plan (think preexisting condition.)

Personally, I can afford the additional costs of Medicare. I do understand that is not the case for everyone. The simple truth is that Medicare Advantage exists to make profits for the insurance companies offering them. This gives them a financial incentive to limit coverage.