Medicare Advantage [View all]

My best friend retired this year and asked me about Medicare options. Twice I tried to talk her out of getting a Medicare Advantage plan. So what does she do? Lets some smooth-talker convince her to sign up a for a Medicare Advantage plan.

Some people have MA and it works out well for them. God bless them. But I was not willing to take that chance. I told her it wasn't Medicare; it's private health insurance and they can deny your claim any time they want to. And then what are you going to do? She said that if your doctor says you have to have to have a procedure, they have to pay for it, right? That's one of the dumbest things I ever heard anyone say. An insurance company is not in the business of making sure you get the health care you need; it's in the business of making money for its CEOs and shareholders and they do that by denying claims. It's a BUSINESS and the purpose of a business is to make money. All these things they give you for nothing or next-to-nothing to get you to sign up - haven't you ever heard you don't get something for nothing? And the way they try to shove Medicare Advantage down your throat every year from October to December makes me think it's something more to their benefit than mine.

I hope it works out for my friend, but like I said, I'm just not willing to take that chance. Am I wrong?