Great health insurance agent

[SailinAway]

Originally Posted by Irish mist

There are gatekeepers with your advantage plan. Yours approved all of your care in this instance.

A link the professor left in this thread explains the issues with advantage plans.

I misspoke. I meant to say that there was no opposition from Harvard Pilgrim to any treatment ordered by my doctors.

[Irish mist]

Originally Posted by SailinAway

I misspoke. I meant to say that there was no opposition from Harvard Pilgrim to any treatment ordered by my doctors.

Advantage Plans are cost-saving, there is no doubt about that and work well, especially when you are young and healthy. My concern is that many people don't know that once you enroll in an Advantage Plan in most states, not all, if some health issues arise, you will be subjected to medical underwriting and not be allowed back into original Medicare.

If you enroll in original Medicare at 65 you are guaranteed to be let in regardless of pre-existing conditions.

[SailinAway]

Originally Posted by Irish mist

Advantage Plans are cost-saving, there is no doubt about that and work well, especially when you are young and healthy. My concern is that many people don't know that once you enroll in an Advantage Plan in most states, not all, if some health issues arise, you will be subjected to medical underwriting and not be allowed back into original Medicare.

If you enroll in original Medicare at 65 you are guaranteed to be let in regardless of pre-existing conditions.

All this has always been a head-scratcher for me despite hours of research. I enrolled in Plan B plus an Advantage plan at 65. Isn't Plan B "original Medicare"?

[Irish mist]

Originally Posted by SailinAway

All this has always been a head-scratcher for me despite hours of research. I enrolled in Plan B plus an Advantage plan at 65. Isn't Plan B "original Medicare"?

A & B are original Medicare which pays 80% of your bill. The supplement you enroll in, which pays the other 20% can either be a traditional Medigap policy, or the Part C Advantage Plans...which are private plans paid with Medicare money.