General Discussion

You are right. Medicare Advantage plans ARE scams. I started out on Medicare and a medicare supplement. A few years later, I switched to a Medicare Advantage plan. They sound good since you don't pay anything unless you actually use them and many of them include dental, unlike traditional Medicare and the supplement plan, that charge you monthly, whether you use them or not. The problem I had with the Medicare Advantage plan, was that they kept changing the approved providers, so I was having to change my doctors. Then they started denying services and drugs. And by the way, the drugs they were denying were dermatological meds; nothing that was going to lead to addiction or anything! Anyway, I went back to traditional Medicare and that's where I will stay. The supplemental plan does have a screening process if you return and CAN deny you from enrolling. I, fortunately, am pretty healthy, so I passed the screening.