fun2drum
Super Genius
- 140
(Caveat: not an agent.)
Based on all I have read in the forums, I would suggest that it is not right for an agent not to be sure that his or her customers understand the financial costs and possible care restrictions that could come their way under Part C. For some of us, two years of Part C out of pocket costs, back to back, could represent a major financial disaster. I would also suspect that for at least a few folks with financial restrictions, the decision for Part C over Parts A, B, D became a life and DEATH decision.
Yeah I think you're basically correct, but oftentimes it's just as much a financial disaster to pay an insurance company $150.00 a month whether or not they go to the doctor. That's enough to keep some from getting their meds. On the other end of the scale, some people just have the money to pay copays and can take the risk. They don't want to pay so much premium either.
For an agent to sell a MA he/she must give a compliant presentation that explains everything from each possible copay to the various limits and/or deductibles that may or may not apply. Sometimes it's not an easy answer - there are pros and cons of each, and you'd have to have a crystal ball to know the best one for sure.
All things considered, if things are the same when I turn 65 then I'll probably go with a G plan and PDP. Nothing will be the same by then, I'm sure.