Medicare Advantage vs Supplement
Hi all, hoping for some insight.
Wife will be going on medicare shortly,I am trying to decide what is best,been looking at this stuff for 3 months and still not sure.
Leaning towards Aetna medicare advantage plan for 72 a month with drugs. It is a HMO, they also offer supplement plan F for 156 month and you need to get a seperate plan for drugs. The cost of the supplement also rise with increasing age.
We are in the Philly area,travel to Indianapolis a lot and they have network docs out there also.
The downside to a advantage plan is you need to go to a PCP in network doc and get a referral if you need to see a specialist, outside of that seems like advantage plans are better than a supplement.
What am I missing.
No underwriting for advantage plans, supplements have underwriting if you do not enter when you first go into medicare.
She is healthy takes no drugs. I am becoming insurance poor especially with LTC isurance at about 4200/year for both of us.
Also what I have read is that the governemnt with the new healthcare bill is trying to kill off the advantage plans for some reason. They seem pretty good to me.