I would love to hear a testimonial from an older person who had been on the Advantage plan for several years and had lots of health issues, in and out of hospitals, and required seeing a specialist or 2.
My point is any insurance may seem to be the right decision based on price alone until you actually get sick and need it. Advantage plans are pushed really, really hard for a reason. Agents get way more commissions from those plans than a plan G, N or high deductible G. All those people on the Advantage plans will also have to go the medical underwriting if the ever want to get back on traditional Medicare someday. Good luck with that also.

I have been on Plan G from the start 5+ years ago. I picked Cigna at the time, but they were all close.

While chasing some mystery symptoms, I have had two MRIs with/without contrast of my head, another of my lower spine, three echocardiograms, two CT angiograms, two renal artery dopplers and multiple other echos. Selection of primary care, cardiologist, neurologist, ophthalmologist, neuro-ophthalmologist, ENT, dermatologist, and orthopedic specialist have all been my choice of doctors.

No hospital stays or inpatient surgeries so far. Cost for doctor visits, labs, and tests are covered with zero copay. Yes, the premiums have increased over time but my only out-of-pocket is limited to the annual medicare deductible of $ 240.00.

I am not a wealthy guy and I pinch pennies where I can, but I am very happy that I went the way I did.

I have been on Plan G from the start 5+ years ago. I picked Cigna at the time, but they were all close in cost.

While chasing some mystery symptoms, I have had two MRIs with/without contrast of my head, another of my lower spine, three echocardiograms, two CT angiograms, two renal artery dopplers and multiple other echos. Selection of primary care, cardiologist, pulmonologist, neurologist, ophthalmologist, neuro-ophthalmologist, ENT, dermatologist, and orthopedic specialist have all been my choice of doctors.

No hospital stays or inpatient surgeries so far. Cost for doctor visits, labs, and tests are covered with zero copay. Yes, the premiums have increased over time but my only out-of-pocket is limited to the annual medicare deductible of $ 240.00.

I am not a wealthy guy and I pinch pennies where I can, but I am very happy that I went the way I did.

[quote=Marc K]I have been on Plan G from the start 5+ years ago. I picked Cigna at the time, but they were all close in cost.

While chasing some mystery symptoms, I have had two MRIs with/without contrast of my head, another of my lower spine, three echocardiograms, two CT angiograms, two renal artery dopplers and multiple other echos. Selection of primary care, cardiologist, pulmonologist, neurologist, ophthalmologist, neuro-ophthalmologist, ENT, dermatologist, and orthopedic specialist have all been my choice of doctors.

No hospital stays or inpatient surgeries so far. Cost for doctor visits, labs, and tests are covered with zero copay. Yes, the premiums have increased over time but my only out-of-pocket is limited to the annual medicare deductible of $ 240.00.

I am not a wealthy guy and I pinch pennies where I can, but I am very happy that I went the way I did.

Just look at the money being spent on promoting these plans and the glittering language being used. There is a reason for this and it is not altruistic!

It's what drives all insurance companies. That is, the overall goal to maximize profits.