Are Medicare Advantage Plans Bad?
This Fresh, New Book Tells All.
On his warpath to transparency,
Bynon released his first book,
"Why Medicare Advantage Plans
are Bad", in a new Amazon.com
series called "Survive Medicare".
Medicare Advantage is an
option to traditional
Medicare, which has two
parts.
If you love the details, "Why Medicare
Advantage Plans are Bad" explains how
Medicare Advantage plans are required
to cover all of the same benefits as
Medicare Part A and Part B, but the
government allows them to cover the
benefits differently.
According to a recent Kaiser Famly
Foundation report, nearly half of all
Medicare Advantage plan members
would pay more for a short hospital
inpatient stay than people with
Original Medicare and no additional
coverage.
People who join a Medicare
Advantage plan must
continue to pay their
Medicare Part B monthly
premiums.
If you join a Medicare Advantage
plan for the first time, Medicare
grants you a trial right that allows
you to go back to Original Medicare
and buy a Medigap policy with
limited Medigap protections.
Unlike Original Medicare,
Medicare Advantage has a
maximum out-of-pocket
limit.
The book's author covers this
component of Medicare
Advantage in detail, explaining
how most people with Original
Medicare and a Medigap policy
are likely to pay less overall.
Another stark difference between
the two coverage methods is how
easy it is to compare Medicare
Supplement coverage and how
difficult it is to compare Medicare
Advantage plans.
Bynon is quick to point out that
people who can qualify for both
Medicare and Medicaid should be
in a Medicare Advantage Special
Needs Plan where available,
regardless of their health status.
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