In this video, I'll share why I would never choose Medicare Advantage. If you're considering your Medicare options, this is a mustwatch!
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In this video I discuss why I personally would never choose to have a Medicare advantage HMO plan. You can make your own decisions.

00:00 Intro
00:25 Keith Armbrecht
02:01 Managed Care
03:34 Please Subscribe
03:53 Cost Difference
07:25 Pre Authorizations
08:35 Referrals
09:30 Networks
10:35 Travel
14:34 Leave a Comment

Reasons I would never choose a Medicare Advantage HMO plan:

Reason #1 Limited network of doctors and hospitals. A Medicare Advantage HMO plan will have a network of doctors and hospitals you are required to use to receive care. Generally the lower the premium the smaller the network. Many times you will find a lower quality of doctors and hospitals in the network.

Reason #2 Pre Authorization. For most specialty items you will need to ask for permission before service is rendered. You can find many horror stories where care was denied for something a doctor had recommended.

Reason #3 Out of Pocket expense. MAPD can be very expensive when you use it.
Reason #4 Doctors and hospitals leave plans on a regular basis. You may need care and find out that your doctor is no longer in the plan.

Reason #5 Very limited coverage when traveling. Most HMO plans only cover emergencies when outside of network. If you have an extended care you will have to travel back in network.

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