Medicare Advantage Plans (2025 updates) Pros and Cons

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.

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.

Rural health systems in Ohio have signs on their doors stating they do not accept patients on Advantage plans.

Love your videos thank you Stephanie.

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

Medicare pays out MORE PER PATIENT to private for profit insurance companies. It spends a significantly higher % on patient care than private insurance. Just saying.

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

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.

It's an inferior product. Plans that change every year, coverage that doesn't travel with you, networks, pre-approvals and only 20 vs 100 days of skilled nursing care. If you want a pay as you go system choose HDG (only cost about $70 dollars a month). If you want comprehensive coverage choose plan N for plan G will pretty much guarantee you a $500 dollar a month premium at age 85, yikes.

Thank you, are you licensed in NJ?

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

There is no advantage to advantage care. It’s managed care and boy is it managed .

Your content is always helpful and informative.

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

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.??

Are you licensed in the state of Iowa ?

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

Are you licensed in Virginia?

Very helpful. Thank you.

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

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.

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. 💯🤩

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

Are you licensed in Kentucky?

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)

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.

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.

Advantage plans are great until you develop a serious condition.

Medicare advantage should have been named medicare disadvantage. Scumbag insurance companies....

Sounds like the big negative reason you gave about underwriting to switch back from advantage to a supplemental plan does not apply to those of use with FEHB. Unless I missed something, I would always have the option to change plans during annual open season and go back to traditional medicare plus an FEHB plan for secondary. For a healthy 'young' senior, medicare advantage looks pretty attractive.

I’m retired 3 years now. A family is approaching retirement age soon. I’ve been watching your videos nonstop so I can walk them through the process. You do an excellent job of dumbing it down. You’re the reason I chose Plan G and love it. They will have to go with an advantage plan due to monthly cost. Your explanation of plan C is clear and understandable. Bravo

Do brokers push advantage plans because they get a higher commission? Plus, I'm getting tons of mail pushing Advantage plans from different companies. What's in it for them? I don't believe these companies have our best interests in mind, only profits. Tell me I'm wrong.

Do you have an office in Iowa?

You didn't mention that Medicare Advantage plans do not work out of state, or even sometimes out of specified zip codes. Emergencies are, by law, covered out of area, but that would mean something like a heart attack or an accident that lands you in the hospital. If you want to consult with a specialist in a nearby state, it's not usually covered! If you travel, especially if it's frequent, this is very risky.

The best Medicare Adv. teaching I have found. Thank you so much! 🥲

Excellent summary. Thank You

Thank you for this video, it's interesting

Wonderful video - thank you !

Beautiful explanation; thank you so much! Why would anyone NOT enroll in traditional Medicare with the added dental and MediGap plans? I'd think the premiums would be fairly reasonable compared to the out-of-pocket and deductible expenses associated with MA plans. I'm old enough to retire, but as long as my employer is willing to pay for this brain, I'll let 'em. Well, at least until I'm 70 and will qualify for the maximum payout....

We are going to have to go with an Advantage plan because we can't afford a medical plan

Never take Medicare advice from someone half your age.

I’m on Social Security and Medicare. The thing that happens is yes we got a three point whatever percent increase last year but my Medicare part B payment also went up by $60 a month more than my cola so I actually took a $60 a month cut. I literally made best decisions when i started working with an advisor..

I am on original Medicare. I thought that I would not have to get a referral from my family doctor to see any specialist but.... I called a specialist office once and they told me that my PCP would need to send a referral in for me. They also told me that it has nothing to do with Original Medicare's rules that it's their own rules now. So I can't just pick up my phone if I need to see an Orthopedic Dr and make my own appointment, I have to go back to my PCP and have her to send a referral in for me and that's if she wants to. What is going on? I don't understand this

AARP United Healthcare is denying Medicare recipients continuation of coverage for 2025. They have cancelled their existing policies and when you sign up for their 2025 there denying coverage but only on their site. The emails they sent say your covered. Many UHC will not be covered in 2025. Their making a bait and switch to eliminate coverage. If you get online they drop your calls.

Run away from medicare advantage plans if you value your health in the long run. People should be ashamed of themselves selling unsuspecting seniors one of those hideous plans.

If someone has only traditional Medicare and has a $120,000 hospital bill, how can most people afford even 20%? What then?

Question... I see the 1-888 number at the bottom of your screen and you say that you are licensed in 46 States...can you provide assistance in the state of Illinois AND can you also assist with stand-alone Dental PPO?

Plan G ny up to $1100 a quarter.