I tried to change back the day after I had a "visit" by someone who was suppose to talk to me about the differences between Medicare and MA, and among the different MA plans. Talk about slick? Got my signature on something I didn't even know I was signing... and I just don't fall for that. I mean, this guy was so slick, I reported him. I was signed up on MA without my knowledge and without my consent, since I'd said several times that I was NOT interested in signing up that day. I needed time to think and compare. No... I do not want to sign up for anything today. And STILL he found a sneaky way to get my signature!
When I went to pick up scripts the next day, THAT'S when I discovered what he'd done. Getting back home, I immediately called Medicare to tell them what had happened and that it was NOT what I wanted and I wanted to change back.
Sure... I could change back, it would just cost me a bunch more money to do it. And THEN I'd have to find a supplemental (that would take me... they don't have if you've been on MA at any time) that I could afford. They penalize you dearly if you're a former MA, even a one-day-old like me at the time.
The "extras" are carrots they dangle. They don't include enough to actually make it functional if you need it, but they're there for common ailments. New glasses script is okay... just bring your own frames, for example.
And I'm thinking I STILL could use a supplement program to pay for what the MA now *won't* pay for! Co-pays and deductibles are higher then ever, thanks to the R's and what they're doing to the ACA. Companies see a way to profit more without bearing the stigma, so they jack things up.
We don't have healthcare in this country. We have insurance-care, to ensure the insurance companies keep raising their shareholder profits.