if you've watched any of my videos recently you certainly know that I am no fan of Medicare
Advantage and there's particular reasons for that and I'm going to give you a real life reason right
now to show you why I would just never choose a Medicare Advantage plan there and again there's
a number of reasons mostly freedom of choice and flexibility and really doing what you want
to do when it's time that you need to have something significant done so I'm gonna give
you a real example I'm Keith armbrick founder of Medicare on video and I help people across
the country make the right Medicare choices I can absolutely help you as well just visit my
website medicareonvideo.com and I will send you an immediate quote on a Medicare Supplement Plan that
shows you exactly what your cost would be but right now we're going to talk about really the
disadvantage of Medicare Advantage and and I get calls frequently from people that have a parent
a mother or a father that have a sibling whether it's their sister that is currently on a Medicare
Advantage plan and now has a significant health condition and they want to know how do I get her
off how do I get back into original Medicare so that we can make the choices that we need
to make to make sure that things improve in their life and most of the time the answer is you can't
once you're in a significant Health scenario you cannot get approved for a Medicare supplement to
go with traditional Medicare so it's something a lot of people really just don't understand until
really the time that they need it so I'm gonna show you right now a real life example of why
I would never choose Medicare Advantage because of that freedom that I would want if I were to
get into a difficult medical situation down the road so here you've probably heard of Mayo Clinic
before Mayo Clinic is certainly a huge Hospital chain that is throughout the country and certainly
considered a premier Hospital one that you would likely choose to go to if you were in a medical
scenario that you needed expert care so here's a letter from Mayo Clinic recently to Medicare
beneficiaries and I'm gonna read through it bear with me but it's important to understand this
and why again why I would not choose a Medicare Advantage plan is primarily because of this so
this letter starts out at Mayo Clinic our patients are at the center of everything we do and your
trust is very important to us sharing information is one way to help we ensure we continue to
be trusted partners for your health care needs terrific they're trying to to be on your side as
you may be aware beginning in mid-october it will be time to Select Health Care coverage for 2023 so
that's Medicare open enrollment when people in a Medicare Advantage plan can either change Medicare
Advantage plans or that's the time to get out of a Medicare Advantage plan or to get into a Medicare
Advantage plan during Medicare open enrollment Mayo Clinic in Florida and again this is specific
to Florida I don't know about the other locations but they're probably similar but Medicare or Mayo
Clinic in Florida is not in network with most Medicare Advantage plans so they are not part
of the network and that's one of the things with Medicare Advantage plans is you generally have to
stay within networks so you can't choose exactly where you want to go you have to pick from what
is offered and that just can be very difficult again if there is a significant medical need like
leukemia or cancer or or something going on COPD or kidney or something really significant where
you want the best of the best no matter where they are you don't want any roadblocks in your
way now this next line is even more important we want to be assured that you are aware that Mayo
Clinic in Florida will not schedule appointments for patients without of network Medicare Advantage
plans so some Medicare Advantage plans say well we have a network but we also have added Network
benefits so you don't have to stay within the network Mayo Clinic is saying we're not going to
take those either because they don't want to fight with the Medicare Advantage plan over payment they
they don't agree with what is being reimbursed from a Medicare Advantage plan to Mayo Clinic so
not only are they not in that work they're not going to see people as an out-of-network benefit
so if you're on a Medicare Advantage plan you likely cannot go to Mayo Clinic in Florida under
any circumstance so many patients are making elections for their coverage in 2023 including
Medicare marketing for Medicare Advantage plans may indicate that you can be seen at any facility
that accepts Medicare so you see all the commercials on TV everybody's super happy
everybody is in a wonderful mood they love their Medicare Advantage plan but that's just on TV when
you get into it however Mayo Clinic in Florida is out of network on these plans and then back up to
the previous statement we're not going to make an appointment for you as at a network so with
Mayo Clinic in Florida Medicare Advantage they do not mix Medicare Advantage plans are managed
by commercial insurance companies on behalf of Medicare and offer a specific network of
contracted Medical letters in hospitals which may not include Mayo Clinic of Florida they
just told you it doesn't include Mayo Clinic in Florida these plans are required to have
a substantial network of qualified providers to accommodate their members medical needs now
it doesn't really stop there and you may be on a plan now similar to what's Medicare Advantage if
you're on a group health insurance plan especially if you're on an HMO plan it can be very similar
and where I see even a bigger problem than Mayo Clinic not being a network and never being a
network so you don't have the choice is when you have a provider or even a hospital chain that is
in that work and then all of a sudden there's a contract dispute and they're no longer in
the network so if you're on one of those Group Health Plans you've probably gotten a letter at
some point saying you know effective January 1st XYZ provider is no longer going to be a network
provider for XYZ insurance company so they have not agreed on on reimbursements and pricing and
they are leaving the network and if you are in the middle of a medical situation whatever it may be
even if it's not major if it's significant or even semi-sung significant and all of a sudden your
doctor leaves the network and your hospital leaves the network and you have to start all over with a
different provider a different primary even and then a different specialist and then a different
hospital wow that that is a big deal so that again is one of the main reasons why I completely stay
away from Medicare Advantage I would not recommend Medicare Advantage because it can just be almost
catastrophic if something like that happens and anybody that's had any medical scenarios you know
the relationship with the doctors along the way super important if all of a sudden they're gone
major problem for that type situation now we get down here a little bit farther it says we
do accept original Medicare part A and Part B and supplement plans sometimes referred to as
traditional Medicare if you choose to enroll in a Medicare Advantage plan we can provide your
medical records to the next Network facility you select so they're saying say Levy if you choose
a Medicare Advantage but if you're currently on original Medicare with a supplement and you have
something going on at Mayo Clinic and you opt to go into a Medicare Advantage plan they will no
longer see you so some will find that a little you know a little tough on their side which you know
they certainly have the right and again they would see you if it was made sense for them to do that
if they got paid in a reasonable way and you think about this a little bit further if you've ever
seen a Medicare traditional Medicare reimbursement it's like Pennies on the dollar to what a hospital
bills so here where Mayo Clinic is saying yes we accept that but we will not accept Medicare
Advantage so what does that tell you number one I want my doctor number one to be good but I also
want them to be happy I want them to get paid and and be you know glad that he's doing what he's
doing so I would not want to be in a position where they look at me as a Medicare Advantage
client so again those are reasons why I would not do it certainly there are plenty of people on
Medicare Advantage plenty of people that find it works and you know again it just depends on what
you need and what you're choosing so that's a real life example of why I would not choose a Medicare
Advantage and again I full disclosure I do not sell Medicare Advantage I only sell Medicare
supplement plans because that's what I believe in some people in comments will say well you make so
much more money selling Medicare supplements which is completely not true Medicare Advantage pays
much higher per sale than a Medicare Supplement Plan so I'm doing it at my own detriment where
I make significantly less with a Medicare supplement sale than I would with Medicare
Advantage but again I would only do what I would recommend to you to do so that's why I choose what
I choose so and again I have thousands of clients I get zero customer service phone calls I have I
I don't have any unhappy clients which if I did all Medicare Advantage man I would have a major
amount of unhappy clients so I sleep better at night you'll sleep better at night I'd be happy
to help you getting back to original Medicare from Medicare Advantage can be a little difficult you
got to be in pretty good health so if you want to come back from Medicare Advantage into Medicare
and get a supplement and pretty much have no out-of-pocket expense very little deductible you
know it's in the mid 200 for the year on a plan G it just makes a whole lot of sense so I hope you
find this helpful and again if there's anything we can do give us a call fill out the form on my
website we'll get back to you very shortly hope you found this helpful have a fantastic day
thank you for taking the time to watch my video I hope you found it very helpful a couple of
other things that you'll find very helpful is first download a copy of my free book Medicare
made clear I put a lot of time a lot of effort into this book you'll find it very helpful for
everything that you need for Medicare now and in the future it has videos in the book has all the
links that you need for signing up and everything else that you'll need going forward so take just
a minute go to medicareonvideo.com forward slash free book you can download it right now and save
it on your computer you'll have it for now and in the future and then down the road when
it's time to renew your Medicare Supplement Plan we always want to shop around so every
year it makes sense to do a Medicare price check and I have a website specific to that
www.medicarepricecheck.com where we will compare your current plan and see if we can get the same
plan at a lower price and a lot of times we can do that so it makes sense and said visit
medicarepricecheck.com every year we'll do a quick comparison let you know if it makes sense and
then we take it from there hope you found all this helpful have a fantastic day hey don't go anywhere
these are some of my most recent videos right here you can also find the link right below this video
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here so please download my book watch some videos subscribe to the channel have a great day