Medicare Advantage Plans (2025 updates) Pros and Cons

Medicare Specialist - Abt Insurance Agency

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Medicare Advantage Plans have many different pros and cons, most of which I outlines in today's video. For more info:
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✅ Best Medicare Supplement Plans in 2024: • The Best Medicare Supp...
✅ How to enroll in Medicare: • Medicare Sign Up | How...
✅ Medicare Advantage Plans Explained: • What is Medicare Advan...
✅ How does Stephanie get paid?: • How Do Medicare Broker...
✅ How to shop for Medicare Advantage Plans: • How to find the right ...
✅ Enrolling in Medicare when you retire - Past age 65: • Working Past Age 65, H...
Medicare Advantage and prior authorization: oig.hhs.gov/oe...
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21 окт 2024

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Комментарии : 58

@miguelberrios19 12 дней назад

The limited network she mentions is if you are in a rural area. Here in Fort Worth, Tx, Advantage plans are great, due in part of the vast majority of doctors and hospitals do accept these plans. I am on my third year with Cigna, and am very happy with my plan. Another great point about Advantage plans is the preventative care, you have your primary care doctor and specialist administrating lab work and other tests to ensure your health is as it should be. So you have a care team overlooking your health. 💯🤩

@sbe8544 11 дней назад

We appreciate your honesty in shedding light on the negative part of the advantage plan. Unfortunately my wife was diagnosed with kidney cancer and we came to know how great is the supplemental plan G. We not only save money but what’s important is we were able to choose the best hospital and doctor . No need to priority approval which is decided by someone who represents the interest of the insurance company. Some broker recommended advantage plan because they would make more commission. Not you you’re honest , professional and very knowledgeable. We appreciate your honesty in very much

@AbtInsuranceAgency 11 дней назад

@@sbe8544 thank you!

@RayLabs 12 дней назад

I am still a couple years away from 65. But the more I am learning about the Advantage plans the more I feel they are not right for me. Primarily since I have homes in Texas and Montana and the Advantage plans seem to be very Geography oriented. And I really need a plan that gets me covered regardless where I am.

@SkipperPond 9 дней назад

Might look at UnitedHealthcare Medicare Advantage plan. They have a national Medicare Advantage network. As to whether or not they cover the areas you will travel to/live, that's where reviewing those areas for coverage helps. We live in NC and travel to VA, FL, SC & GA. UnitedHealthcare covers in the areas we travel. The good news about a Medicare Supplement vs a MedicareAdvantage, a Supplement covers as long as the doctor or hospital accepts Medicare. Go luck with your research.

@frankrothiz4u 15 дней назад

A well done, very informative and helpful video that is presented in a way that all people can understand. Thank you.

@AbtInsuranceAgency 15 дней назад

Glad it was helpful!

@frankrothiz4u 15 дней назад

@@AbtInsuranceAgency Your videos always are, you're one of the best on YT regarding Medicare supplement plans & Advantage plans, in my opinion.

@levon9 14 дней назад

Super helpful, thank you. All of this is rather complicated, so many decisions to be made. This was very clearly explained .. I'll be looking for more of your videos.

@eddiea3782 4 дня назад

I have quite a few retired friends that are leaving their supplements for Medicare Advantage. With all this inflation the cost of everything is just out of control. Paying into Supplement every month, Part B Deductible, dental, vision, hearing and drug plan has become too much. Where they once were quite comfortable with their supplements they are now going to MA. It's just a matter of dollars and cents for those of us on a fixed income. We're tightening our belts on everything now in order to survive. I'm on a Medicare Advantage PPO with a huge network. All of my coverage is good. I also have a hospital indemnity plan. My friends are following suit.

@AbtInsuranceAgency 4 дня назад

Medicare Advantage PPO + hospital indemnity and/or a cancer plan is a great option for many!

@jhors7777 15 дней назад

Love your videos thank you Stephanie.

@AbtInsuranceAgency 14 дней назад

Thanks for watching!

@paulg2132 12 дней назад

Thanks for the valuable information. You answered many of my questions.

@JoePrice-m2e 12 дней назад

Very helpful. Thank you.

@AbtInsuranceAgency 12 дней назад

Glad it was helpful!

@Mario-ze1ry 14 дней назад

Hi beautiful 😍❤️ thanks for the update that's a great information thanks again have a wonderful 👍 night you and your family see you soon

@JenningsB9 14 дней назад

Your content is always helpful and informative.

@garybroughman1230 14 дней назад

We are new to Medicare. Picked part A,B,G,D. Best insurance you can have IMO. Thanks for your help!

@janegao5747 15 дней назад

Medicare advantage sounds almost exactly like the PPO plans that every company I worked for offer. I have used it for all my working years. So what's new or different? For someone like me who is not on Medicare yet, comparing Medicare advantage with the PPO plans most companies offer makes more sense. Traditional Medicare is too wasteful IMO.

@AbtInsuranceAgency 15 дней назад

Good idea for a future video. Prior authorization and claims denials are more prevalent (currently) on Advantage plans when compared to commercial medical insurance.

@freecycling6687 15 дней назад

IMHO I'd say that's basically correct. But one advantage of "traditional + supplement" is that, unlike those PPO plans, you'll have access to virtually any doctor, hospital, cancer center, etc. in the country. Of course the reality has a lot of that is not easily accessible, but if there's a very good one in an adjoining state that's not difficult to get to, then you'd have access to it on traditional, whereas it's unlikely to be available through an Advantage plan's network.

@g0989 14 дней назад

Agreed, based on my personal experience. PPO and HMO employer group plans were becoming the standard about 40 years ago. And yes, I've been subject to prior authorizations with that employer insurance. We had deductibles and copays, as well. The employer plan was usually a take-it-or-leave-it proposition, and the employer may decide to switch carriers at any time. Your provider not in the network anymore? Too bad. The one good thing was the employer's substantial premium subsidy. At least there are choices among a number of different Advantage plans in most markets, and for those coming off their subsidized employer plans, Medicare Part B + Part D drug plan + Dental, can result in sticker shock, so it makes Advantage plan choices look pretty good, in comparison to what their employers had been providing.

@karenaubin325 11 дней назад

My mom was denied skilled nursing home coverage after a femur fracture by her FEHB group medicare advantage plan. I naively thought that a plan sponsored advantage plan wouldn't have authorization denials. Her trauma team doctors at the hospital immediately became alarmed as soon as they found out she was on an advantage plan and actually voiced right then and there that there wouldn't be near as much of a fight for coverage if she was on original Medicare! I now know why they were so concerned. @AbtInsuranceAgency

@Anne-yu1eo 10 дней назад

That’s how I see it too. I had NO IDEA how expensive Medicare was going to be with supplemental, drug and dental premiums added on!

@HieuQuach-u5s 4 дня назад

Thanks for the great video.Do you have any news about the deal finalized in the first quarter 2025 between Cigna/Hscs and the effect with the existing Cigna medigap policies holder.

@User_786.01 8 дней назад

Hi there, I want to highlight that you are doing a great job providing this valuable information to the public. I have a question. Does Medicare Card support the heart device implants? Like the ICD's (implantable cardiovascular defibrillator)

@NomadJane 3 дня назад

Sorry, but I am confused. If I chose to go with Medicare gov't plan only Part A Hospital is $0.00 otherwise if I add Part B or others it is at least $174 per month out of my social security retirement. So to clarify, I must enroll in Part B in order to chose a Humana plan for $0.00 per month? Thanks, great video.

@freecycling6687 15 дней назад

I think I've nagged you in another video about this, 😄, but the one way to try both types of plans is to start out with a supplement plan, then switch to an Advantage plan for up to a 12-month "trial period", during which you can switch back to your prior supplement plan. And IIRC all without medical underwriting.

@billjones4986 14 дней назад

Just checked out my zipcode options here in tge Bay Area California not one worth my time!Kaiser should be ashamed of themselves!

@jameshairston899 14 дней назад

Which plan is better to have a supplement or Medicare advantage plan HMO if you don’t really have a lot of health problems now, but your time your year to not have a questionnaire for health benefits runs out in a few months so which plan would be the better plan a supplement or an advantage plan

@AbtInsuranceAgency 14 дней назад

This is such a great question, and exactly what we help our client determine every day. The right answer will be specific to each individual. Call us anytime for assistance! 888-465-9728

@carlstolinski6371 14 дней назад

Thank you, are you licensed in NJ?

@AbtInsuranceAgency 14 дней назад

Yes!

@YolandaBone-hm1ji 14 дней назад

If Medicare is federally run then why do certain states exempt from medical underwriting should it be uniform across all 50 states?

@AbtInsuranceAgency 14 дней назад

The Medigap plans are private insurance, so states can set their own rules.

@willay747 14 дней назад

Great video- if I choose Medicare advantage when I turn 65, I thought I could switch back to a supplement plan within 12 months with no reviews? I thought I heard that somewhere.??

@AbtInsuranceAgency 14 дней назад

@@willay747 yes! If you start a Medicare advantage plan when you are first enrolled in parts A and B, this is true!

@maryanncissell5347 8 дней назад

Are you licensed in Kentucky?

@AbtInsuranceAgency 8 дней назад

@@maryanncissell5347 yes!

@NUKE.2024 14 дней назад

Are you licensed in the state of Iowa ?

@AbtInsuranceAgency 14 дней назад

Yes!

@NUKE.2024 14 дней назад

@@AbtInsuranceAgency Thank you. You folks are great; I've been working with you since last year.

@AbtInsuranceAgency 14 дней назад

@@NUKE.2024 😁

@ginacline5632 13 дней назад

Are you licensed in Virginia?

@AbtInsuranceAgency 13 дней назад

@@ginacline5632 yes!

@MPNM64 15 дней назад

In January will not be a year for my advantage play will I still have to go through underwriting

@AbtInsuranceAgency 15 дней назад

Did you drop a Medigap plan to get advantage for the first time? Or did you enroll in an advance plan less than 1 years ago when first eligible for Medicare?