MAPD PPO vs Medigap?

Jun 10, 2019

  1. goillini52
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    goillini52 KeepAmericaGreat...Eat Bacon & BUILD THAT WALL!!!

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    You have to speak s l o w l y so Chaz an uderstand you. :yes:
     
  2. Tom S
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    Tom S New Member

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    Gotcha
     
    Tom S, Jun 12, 2019
    #32
  3. WCMason
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    WCMason Guru

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    I also find that when I run the planfinder for prospects considering both MAPD and PDP the drug costs on MAPD plans are often lower.

    As to the OP's question about differences, one problem with the MAPD drug coverage they often don't consider is that they have to take the drug plan it comes with; it's a package deal. They don't get to shop among a couple dozen or more drug plans like they can with a med supp paired with a PDP.

    So, if the MAPD plan their doctor takes doesn't cover their drugs very well, but the plan that covers their drugs well their doctor doesn't take, they could get themselves in a situation where they have to choose whether to lose their doctor or pay more for their drugs. This is a dilemma they'll never have with a no networks med supp and a stand alone PDP they can change annually as their drug needs change without restricting their access to medical care. I don't steer people away from MA plans, but they do tend to like them less the more they look beyond the $0 premium.
     
    Last edited: Jun 14, 2019
    WCMason, Jun 12, 2019
    #33
  4. somarco
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    somarco GA Medicare Expert

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    As long as they don't have ESRD they can move to another MA plan.

    I would be more concerned about network shift than benefit changes.
     
    somarco, Jun 12, 2019
    #34
  5. somarco
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    somarco GA Medicare Expert

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    Yup.

    It's off the rack coverage. No tailoring.
     
    somarco, Jun 12, 2019
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  6. DeeDee Whitlock
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    DeeDee Whitlock New Member

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    Most want a Medicare Supplement NOT Advantage plan most of the time when they start failing health they want FULL coverage & Medicare Advantage plans no longer fit the need
     
  7. somarco
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    somarco GA Medicare Expert

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    Oh I am very much aware of that, and have no problem telling them they can't get a Medigap plan now that the bills are coming due.

    It really doesn't matter what they want.

     
    somarco, Jun 12, 2019
    #37
  8. Tom S
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    Tom S New Member

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    here here
     
    Tom S, Jun 12, 2019
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