You're right, the under 65 market doesn't have a choice, a ppo option at best. But when you T65, most don't realize they have a better option to escape the managed care programs they are accustomed to, until an agent introduces OM to them.
I work the obamacare market, I and they, don't have this option, and when they hit 65, I am done playing doctor roulette.
As far as cost containment, most who are in dire need of help, and can't wait for a PA because the pain is so intense, just go to the ER room for instant treatment in a higher cost facility. There go the savings.
I will guess you've never had a life threatening illness, and been subject to insurance company delays and BS as your body or brain deteriorates. I have, not a place I would wish on anyone.
If mapd is so good, they should get rid of the 1 year free look period. Why does it exist in the first place?
Not sure why it exists, I’ve never had anyone use it. They would laugh at me if I said you can go back to your Med Sup at this price but lose all the dental, vision, etc and we have to put you back on a crappy PDP. No takers so far.