It's what a lot of these supplement-only guys don't understand. Some of these companies have INSANELY good networks, nowadays. My guess is, because these guys never write Advantage plans, they think it's still 2007, where 5 doctors and 4 hospitals fell in-network and the only thing available were HMO's.
My area.....Aetna. 100% of hospitals are in-network in the region. I look up 100 doctors, 95 are in-network, on average. It's to the point where I'm shocked when I see a doctor who isn't in-network, and my broker manager always says to reach out to him when it happens so that they can reach out and get them in-network.
If a doctor is out-of-network, guess what? Doesn't really matter. It's a PPO. Instead of paying $30 when they see them, they pay $40. Holy shit, the HORROR, I tell you! Not a.....(((GASP))) $10 difference!!!!
Most of the Med Sup only agents in my area are financial advisors or sell P&C too. All they ever offered was Mutual of Omaha G plan. Most of them are now sending their Medicare clients to me bc they are getting asked about all the stuff they see on TV etc. used to be they would just bash MA and people would listen. Those days are over since MA ads are everywhere and they talk to their friends who have MA and love it. My business has exploded these last 3 years bc people actually want to see all their options in an unbiased way and the Med Sup only’s just don’t want to deal with it anymore.