This Book Explains The Risks Of Medicare
Advantage Plans For Seniors Over 65
If you are turning 65 or are already on Medicare, it is important to
understand the pros and cons of Medicare Advantage Plans.
Did you know that Advantage plans may have
serious disadvantages for you?
Author and expert David W. Bynon has written a
must-read book for seniors on Medicare.
Too many American seniors opt for
Medicare Advantage plans from
private insurers without knowing the
disadvantages, according to the
CMS favors Medicare
Advantage over other options
like supplement plans.
If you are approaching the age of 65, the author advises you to
instead consider the pros and cons before enrolling in an Advantage
Because Medicare only covers
about 80 percent of costs, you will
need to purchase a plan to make up
Those who purchase a Medigap supplement
plan, instead of an Advantage plan, pay a
monthly premium but no additional costs,
making it easier for retirees on a fixed budget.
In an Advantage plan, you pay per medical services rendered, leaving you
vulnerable to unexpected health care costs, a disadvantage if you have a chronic
health condition like high blood pressure, heart disease, or diabetes.
Most Advantage plans are HMOs
or PPOs, which are group health
plans that limit your choice of
Another concern is that hospital
stays may cost you more on an
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