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The Water Cooler
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Medicare 2025 Discussion
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<blockquote data-quote="okcBob" data-source="post: 4343700" data-attributes="member: 45783"><p>I think it depends on the patient. Advantage plans have no monthly premiums and offer extra benefits like vision & dental but they restrict your choice of providers and require preauthorization for some stuff. You won't have those problems with traditional Medicare with a supplemental plan, but you'll pay a lot more every month.</p><p>So, if you’re healthy & not on a lot of expensive meds, an advantage plan will be a LOT cheaper. If you have multiple health issues, then the traditional MCR would prob be better.</p><p>Biggest prob I’ve seen with advantage plans at work was getting our patients insurance auth for transfer to a SNF, or rehab hospital, or an LTACH. But, if I’m a patient trying to get into a SNF or LTACH, I’ve got a lot bigger problems than insurance to worry about.</p></blockquote><p></p>
[QUOTE="okcBob, post: 4343700, member: 45783"] I think it depends on the patient. Advantage plans have no monthly premiums and offer extra benefits like vision & dental but they restrict your choice of providers and require preauthorization for some stuff. You won't have those problems with traditional Medicare with a supplemental plan, but you'll pay a lot more every month. So, if you’re healthy & not on a lot of expensive meds, an advantage plan will be a LOT cheaper. If you have multiple health issues, then the traditional MCR would prob be better. Biggest prob I’ve seen with advantage plans at work was getting our patients insurance auth for transfer to a SNF, or rehab hospital, or an LTACH. But, if I’m a patient trying to get into a SNF or LTACH, I’ve got a lot bigger problems than insurance to worry about. [/QUOTE]
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