may i ask if you could explain in more details why medicare advantage is a bad choice to make if a person is already on regular medicare? assume that the person trying to make this decision is stubborn and not informed about the differences. thanks, i appreciate it.
Claim denial, pre-authorization problems, delays, and out of network problems, mostly.[1]
Medicare Advantage is an HMO.
If you can afford a good Medicare supplement (type F if you can get it), and can cover eyeglasses and hearing aids yourself, that's the most comprehensive coverage. But it will cost more.
Plan G is probably better than plan F for most people now. The only coverage difference between the two is that plan F covers the Medicare part B deductible ($257 this year) and plan G does not.
Plan F is not open to new enrollees in less they were eligible for Medicare before 2000-01-01 and so the pool of people with plan F is shrinking and aging.
Plan G on the other hand is open to all, and is the most popular choice for new Medicare enrollees with something like 70% of the people who buy a supplement plan choosing it. That gives it a younger and growing pool.
Accordingly plan G is generally cheaper than plan F which is usually more than enough to make up for not covering the $257 deductible. G just needs to be at least $21.42 month cheaper than F to come out ahead which is the case in a few sates I looked at.
