Once you reach your fifties, you start getting mail from all the insurance companies you've ever heard of. Before I'd signed up for Medicare, I got a piece of mail from United Health Care, wanting to tell me about a plan they had called Medicare Advantage, contacted them, and set a date for someone to come and talk to me.
It was almost too good to be true. Without me having to pay them a penny, they were going to give me cheaper doctor visits. Oh, and he told me not to choose Part D on my medicare because I didn't need it with this plan; most of the common meds were $5.
I stayed with United Health Care Medicare Advantage for two years, then found out other insurance companies had Medicare Advantage. I could call a man who would come each year in the fall and show me which company would work best for me the next year. Each year, it got better, with this man helping us get the best deal.
Currently Cliff and I have Humana Medicare Advantage. They are now paying for new glasses and, for me, new teeth, since my partial denture doesn't work. I've had three teeth pulled and will soon be getting a new partial... FREE! Doctor visits are free.
But there's something you need to know before you sign up for Medicare, something I've just learned in the last few months. Doctors and hospitals are starting to refuse patients who have Medicare Advantage because they, the doctors, are losing money. You can, if you want to, go back to regular Medicare, but you'll have to pay to add Part D. Over half of the people on Medicare are now using Medicare Advantage plans, and it looks like it could all fall apart. I'm taking it as it comes, because what else can you do? One day at a time is my motto. And I don't want to worry anybody, I just want people to know what could happen before they sign up. Click below and see for yourself: