- 8,707
Okay lets set the scene.
Medicare beneficiary anywhere in the United States on Original Medicare aka Medicare Parts A&B. This senior has exactly the same coverage, deductibles and co-insurance. Which sounds about right considering it is a Federal Government program.
Now we fast forward to Medicare Part C aka Medicare Advantage. I hear from some of you on the Left coast about these great MA plans with $0 Premium Max OOP expense in the $3200 per year range, low co-pays at Dr, ERs etc and reasonable co-pays for the first few days of being admitted to a hospital. Now we jump to Maine or a ton of other places around the country and the plans are no where near the same you have premiums, Max OOP is $6K+ and co-pays for hospital admitances in the first week are much higher than original Medicare Part A deductibles.
So since this is a Federal program can someone explain to me the huge differences in these programs...Yes I know these plans are run by the private sector, Yes I know its the free market my issue is that beneficiaries don't have the same freedoms they have elsewhere in the free market because they are limited in their purchases based on the county they live in.
Medicare beneficiary anywhere in the United States on Original Medicare aka Medicare Parts A&B. This senior has exactly the same coverage, deductibles and co-insurance. Which sounds about right considering it is a Federal Government program.
Now we fast forward to Medicare Part C aka Medicare Advantage. I hear from some of you on the Left coast about these great MA plans with $0 Premium Max OOP expense in the $3200 per year range, low co-pays at Dr, ERs etc and reasonable co-pays for the first few days of being admitted to a hospital. Now we jump to Maine or a ton of other places around the country and the plans are no where near the same you have premiums, Max OOP is $6K+ and co-pays for hospital admitances in the first week are much higher than original Medicare Part A deductibles.
So since this is a Federal program can someone explain to me the huge differences in these programs...Yes I know these plans are run by the private sector, Yes I know its the free market my issue is that beneficiaries don't have the same freedoms they have elsewhere in the free market because they are limited in their purchases based on the county they live in.