Health Insurance

3 Reasons You Might Want to Reject Medicare Advantage Plans

Medicare Advantage Plans

Medicare Advantage plans are sometimes referred to as Part C plans or Managed Care Plans. They are an alternative to Original Medicare and provide many benefits over it.

Medicare Advantage Plans

However, there are several reasons why you might want to reject Medicare Advantage Plans and stick with Original Medicare instead.

In this article, I’ll be discussing three of those reasons including cost, flexibility, and additional benefits from Original Medicare.

So if you’re thinking about signing up with one of these Part C plans, here are three reasons why you should reconsider…

What is Medicare Advantage?


Medicare is a federally sponsored program that provides health insurance coverage for Americans aged 65 and over, as well as certain people with disabilities.

There are several different types of coverage available under Medicare including Part A (hospitalization), Part B (medical care), and Part C (Medicare Advantage).

Medicare Advantage Plans are more expensive


Medicare Advantage plans are, in general, more expensive than Original Medicare. This is because the insurance companies need to make a profit off of the plan and they have higher overhead costs than the government programs.

In addition, these plans limit what you can see with your doctor and often require that you stay in-network for care.

This means that if you go out of network for even one appointment, you may have to pay for all of your care which could lead to higher out-of-pocket costs over time.

They offer less coverage


Medicare Advantage plans are sometimes referred to as Part C plans or Managed Care Plans.

They are an alternative to Original Medicare. These plans offer less coverage than traditional Original Medicare does, have a limit on out-of-pocket costs, and cover some doctors and hospitals that may not be in your network.

Furthermore, these plans can exclude coverage for services other than hospitalization and medical diagnosis.

For instance, they may not cover prescription drugs at all or only offer limited drug coverage.

They limit your choice of doctors


One of the main benefits of traditional Medicare is the ability to see any doctor you want, but with a Medicare Advantage plan, you have less control over your health care providers.

The insurance company decides who your primary care provider will be, and they can also restrict where you can go for treatment.

That means even if you know a specialist in your area that is more qualified than the one assigned by your insurance company, it might not be an option.

Preauthorization and Referrals


Medicare Advantage plans are sometimes referred to as Part C plans or Managed Care Plans. They are an alternative to the Original Medicare and they come with a set of benefits, but that doesn’t mean they’re perfect for everyone.

Here are three reasons you might want to consider rejecting these plans:

1) Preauthorization- many MA plans will require prior authorization before medical procedures can be performed, which means that even if you’re in need of treatment, it’s possible it won’t be covered;

2) Referrals- the plan may require a referral before services can be provided;

3) Health Savings Account- some MA plans use HSAs to pay out co-pays or deductibles instead of traditional health insurance.

Out of Pocket Expenses


With a Medicare Advantage plan, you may have higher out-of-pocket expenses than you would with traditional Medicare.

Depending on the type of plan, your out-of-pocket expenses could include deductibles, co-payments, and premiums.

But before choosing a plan, it’s important to know whether or not they’re worth the extra money. In some cases, you may find that the plans are cheaper and less hassle. If this is the case, then sign up!

Networks & Travel


Medicare Advantage plans are sometimes referred to as Part C plans or Managed Care Plans. They are an alternative to Original Medicare, but they have a lot of limitations and drawbacks that make them not so appealing.


Limited networks: With Part C, you will only have access to providers within their network, which may not be enough if you need specialty care or other types of care that your doctor doesn’t offer.

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