I get at least 1 call a week from a person on a MA plan who are unhappy because their doctor no longer accepts it. Talked to a home nurse yesterday who told me of the cost her patients incur because of having a MA. I realize there is an OOP max, but the premium on a MS is much less than this amount.
I don't like confusion. That is why I quit selling mutual funds. Had people blaming me for their losses. With a MS I can state with confidence what benefits the client will receive as long as they pay their monthly premium.
Monday I turned 61. 1 more year and I will start receiving SS benefits. This with renewals will pay my bills and leave some for fishing and hunting. Too old and been doing this too long. Will stay active, but I won't miss the daily struggles.
And this is the very reason I tell clients, "MA Plans are great since it's little or no premium, by God help you if you ever get sick!"