Social Security & Medicare

dwayneb

(903 posts)

15. Advantage plans are great until you get really sick

Fri Dec 10, 2021, 09:37 PM

Dec 2021

You hit on one of the problems with Advantage - finding good doctors in your Network.

What you also find is that doctors and health care systems hate Advantage plans and in general love Supplemental plans.

This is because Advantage plans will fight tooth and nail not to pay a claim, and will force you to go through multiple lower cost alternatives before finally approving the treatment that you really need. And in some cases they won't pay claims at all.

If you remain healthy Advantage plans are fine. It's when you get seriously ill that you discover that you do indeed get what you pay for.

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Optum Rx Mail Order Pharmacy is terrible [View all] Hokie Nov 2021 OP

They are the worst SoCalNative Nov 2021 #1

Just have your doctor write a new script and sent to CVS, or whatever local JohnSJ Nov 2021 #2

There is a copay on my plan for locally filled prescriptions Hokie Nov 2021 #4

It depends on the frequencies of the hassles you are going through. If it does not happen JohnSJ Nov 2021 #6

And Could Care Less Me. Nov 2021 #3

Have aarp unh rx plan yorkster Nov 2021 #5

I think it also depends if you are on an advantage plan or a supplemental one. You have more JohnSJ Nov 2021 #7

Should have been more specific yorkster Nov 2021 #8

Same here with me JohnSJ Nov 2021 #9

Here was the math for me Hokie Nov 2021 #12

Advantage plans are great until you get really sick dwayneb Dec 2021 #15

Yes, you are correct Hokie Nov 2021 #10

It is a personal decision and depends on a lot of factors, not the least is affordability JohnSJ Nov 2021 #11

Update from Optum Rx Hokie Nov 2021 #13

I finally got a call from a very nice person at Optum Rx Hokie Nov 2021 #14