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Message: <blockquote data-quote="okcBob" data-source="post: 4343900" data-attributes="member: 45783">I think if you read my post #30, you will find that I already stipulated that Advantage plans have more restrictions than traditional MCR.“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.”Everyone knows this. So, I’m not sure what your point is here. My point is that they are cheaper & may be an option for some people. That’s it. Even the insurance expert said it in the video in post #35. However, they may not be an option for other people. This is why I also recommended people speak with a MCR insurance specialist in post #40.Also,  I did give a few examples (that I saw at work) of traditional MCR restrictions-only to illustrate they don’t cover everything either. Anecdotally, I have been involved in Ltach auth peer to peer to get patients approved with Advantage, where the patient wouldn’t have met traditional MCR requirements. But generally, ltachs prefer traditional MCR as there are no hoops to jump thru. Again, it’s just one example to show there are some limitations to traditional MCR. But overall, Advantage plans have way more restrictions, as everyone knows.</blockquote>