I was an employee in a hospital for 39 years, and have had many conversations with social workers, medical coders and those in the business office. There is NO WAY I'm giving up Medicare for an advantage plan. It's disturbing that Oz has promoted advantage plans. Clearly, being a cardiac surgeon doesn't necessarily mean you're smart in OTHER areas!
Your comment is highly appreciated as it validated my thoughts about medicare advantage ❤.The fact you worked in,around the medical industry tells me you'd be one to really know what goes on behind the scene.I also am disturbed by Dr.Oz promoting this especially if he's getting paid to do so.
Having cardiac problems or cancer will cost you financiallly much more if you are on an advantage plan unless you buy the cadillac plan...advantage plans turn down authorizations, delay authorizations for possibly life saving treatments and procedures much more often than regular Medicare plans.
Thank you, Chris, for putting this out there for everyone to hear. I groaned when I heard Trump wanted Oz to run Medicare. I have such a sleazy feeling about Mr. Oz. Follow the money and the fame. How do we voice our concern?
Dr Oz scares me regarding our health insurance. He needs to have agents who can also show the downside to advantage plans. My aunt was on an advantage plane, got cancer and had huge medical bills. My dad was on regular Medicare plus a supplemental. He got cancer and had no out of pocket. I will never do an advantage plan.
When everybody tells zero premium they all seem to forget the fact that your Medicare part B premium is coming out of your pocket one way or the other. That’s not zero dollars.
Dr. Oz is the worst candidate for this position... Dr. Ben Carson should have been the nominee for this. Oz is the "male version" of Oprah, I do not trust either one!
What about the $5,000.00 deductible a year and what about the pre authorization why does no one talk about that and the damage they have denying services ?
Glad you did this video Chris . I was stunned when he said he wanted everyone on Medicare advantage. I will be the first to say , seniors are not going to stand for this shit. I will sign up if he will.
Thank you for your video. I forwarded this video to Donald Trump Junior and asked him to share it with his father, Donald J Trump. He needs to be informed about what Dr. Oz is sharing.
Do you really think Trump cares how this is actually not good for Medicare recipients? Who do you think Trump donors are? These Medicare plans make millions of dollars for the insurance companies while denying care.
Thanks Chris love that you are dedicated to this shifting sand of healthcare 16:16 . OZ is not a good fit for head of Medicare. We need to say pass on him. He is to invested in the insurance, pharmaceutical end of health care
But..... the one main thing is if you get sick and wanna go back, you must get medically qualified. If you have certain conditions, you are denied.....forever...you are stuck in Medicare Adv. Regular Medicare does not have to accept you back.
Let’s pray President Trump knows more than Dr. Oz and does not put him over Medicare! Medicare Advantage is horrible. Anyone that has worked with the advantage plans knows how bad they are.
I find it absolutely amazing that despite all the discovery out there about the disadvantages of Medicare Advantage Plans that possibly 64% of new enrollees will be choosing it. Add to that the possible conflict of interest of Dr. Oz 's nomination by Trump for heading up the Center for Medicare and Medicaid Services. I will be contacting my Senators to thwart Dr. Oz's nomination. Thanks for bringing this to light Chris!!
Thank you for this video. Us seniors need to get together and speak up. If this is what Dr. Oz wants for us we need to push back. The sooner, the better to prevent it. I know more people on MA then original. I try to warn them but because they haven't had any major issues they think MA is great and don't want to listen.
Oz’s holdings, some shared with family, included a stake in UnitedHealth Group worth as much as $600,000, as well as shares of pharmaceutical firms and tech companies with business in the health care sector, such as Amazon. Collectively, Oz’s investments total tens of millions of dollars, according to financial disclosures he filed during his failed 2022 run for a Pennsylvania U.S. Senate seat.
Thank youfor this information. I must admit when hearing of his nomination by Pres Trump, I was astonished...what does he bring to this to help seniors? How is he qualified to serve in this capacity? I'm seriously concerned by this! BTW, your company has been such a good help to me for 2 years now. Thank you for all the work you do for all seniors..appreciate you so much!
Medicare Advantage ok if you are healthy. I did it first two year when eligible along with my employer insurance. Switched to original Medicare at age 69. Glad I did. Had to go to hospital in September 2024 and bill was $292,000+. Medicare and my supplement paid it all. Medicare Advantage would have cost me and I might have been kicked out of hospital before I was ready. I am glad to pay the supplement premium every month and have a choice of my doctors.
Thanks for all you do! I'm so glad I found your office four years ago when I first became of age to sign up for Medicare. I have told my friends about you.
Zero dollars is just to tempt one to get an Advantage plans! But there is so much more to consider - mainly the network of doctors, prior authorizations and delays in payment to hospitals! Advantage plans do not have the same coverage as Original Medicare! Putting everyone on Advantage plans would be disastrous for Seniors!!!!!
You only get the zero dollar plan IF your state is paying your copay. Not all states do. And even then you have to have a low enough income to also qualify for Medicaid!
This is only my opinion, but I think OZ knows all about the drawbacks of MA. He must be paid very well to do these commercials and does not care about how getting MA could affect seniors.
Chris, can you try to get in touch with Dr. Oz or someone close to him to educate him about how medicare REALLY works? There is also a panel at MAHA that you can vote for people ( or run for a position, hint) and leave comments.
It's all about education. I would guess that 90+% of people that choose a Medicare Advantage plan when they turn 65 or when they leave their employer, don't know what a Medicare Supplement provides. Yes, it costs money and not everyone can afford it, BUT, A LOT of people can FIND the money if they knew the difference.
Chris you have related stories of the horror of these Advantage Plans as seniors are denied healthcare on these plans. I have two sad stories, one a friend on an Advantage Plan and being denied the care she needed. They would not pay for the drug she needed to treat her specific cancer. She went through two appeals. The care she didn't get; almost guaranteed her cancer would not be successfully treated. She passed away 7 months later; she never got into remission. Another friend had three healthcare crisis in one year; all three required surgery. Her bills on these Advantage Plans were unbelievable. Also, she needed extensive physical therapy; her out of pocket was unbelievable because of denial of care by her Advantage Plan. She tried to go back on regular Medicare; but, she couldn't find a Supplemental Insurance that would accept her. She couldn't get through their medical questions (pre-existing conditions questions). She is stuck on an Advantage Plan.
Dr Oz was appointed to make negative changes to our healthcare. It’s about the elite making money by denying basic healthcare. Trump will funnel our money to the rich.
Somebody better smarten Dr OZ up on insurance. After 38 yrs of working with insurance companies, he has A LOT TO LEARN! My nurse practitioner husband always referred to it as the DISADVANTAGE plan! Buyer beware! Dr Oz, surround yourself with intelligent, insurance savvy people!
This is maddening. He literally sounds like a snake oil salesman from the old western days. How can we get a grassroots effort to enlighten Dr Oz or get President Trump to rethink this appointment?
Also know that Vision Care under these plans is for routine eye exam. The vision benefit doesn’t cover medical conditions such as glaucoma,macular degeneration. Those would fall under the medical benefits. Many eye conditions require expensive eye drops. Sometimes it takes months to find the exact drop that works for somebody . If your insurance company is changing their formulary every couple of months, it can be a disaster for chronic eye problems: prior authorization delays, specialty pharmacies, not to mention the outrageous expense of some of these important drops that preserve vision.
Advantage is a pay as you go plan. Several co-insurances and deductibles!! Some people who tried to use dental, could not find a dentist within 50 miles of their house to go to. Good luck trying to getting a pair of glasses for no cost.. Not all Advantage plans have dental or the debit card, It’s based on your zip code! Advantage plans are local, that means if you travel you are out of your healthcare area, and if you are lucky they will cover an emergency visit, but that's it..
All the vibes of a sleazy used car pitchman.... people will fall for it and suffer, and then they get to suffer from tariffs too. Enjoy the America you voted for.
The old saying “ there no free lunch” or “you get what you pay for “definitely applies. I have friends that are going broke because the Advantage plans pay for nothing when you’re really sick.
OMG. I switched from an Advantage program to regular Medicare when my younger (and still working) wife developed a very rare type of cancer and had to go to a university center for treatment. She could do that because she had regular health insurance (not an HMO). I'm sure that her treatment cost over a million dollars at this point. If she was under an HMO, would they have allowed that? I don't know. I'm relatively healthy, so I could switch from Advantage to regular Medicare... thank God. You never know what health issues lie ahead. I'm also a doctor, like Dr. Oz. Would that qualify me to run Medicare/Medicaid? Nope.
I am so incredibly thankful that I no longer have Advantage insurance!! I now must pay over $500/mo for my hubby and I for Original Med. with supplement N….BUT, this year I was diagnosed with Pancreatic Cancer and my care has been over 325k so far!! $500/mo x 18 mos. = approx $9k and my total copays so far are less than $1k. THANK YOU SENIOR SAVINGS for getting us off Advantage Care!!
Medicare advantage puts the patient at a disadvantage. I wonder how much Dr. Oz was paid for this commercial. Go with the good old advice, 'if it sounds too good, don't believe it'.
I say he’s a pitch man, never had a good feeling about him for a very long time. He’s very two faced as far as I’m concerned. He was all about promoting his show!
Maybe the tobacco companies, the FDA, the big food industry, and the pharmaceutical industry should pay for every kind of medical insurance that’s available to the public ! After all, we buy their products, but their products are main reason people are in need of such medical insurance. Their products have also accelerated the mortality rate all over the world for that matter !
BEFORE this nomination, I wrote my congressmen, concerning the fraud and noncompliance of MA to regulations of M'care (like the snippet of the Congressional hearing you showed), in Alabama. One responded in a general message of being concerned with Medicare for a while. The other was more forthcoming and said, M'care need to be overhauled and the benefits and comprehensive coverage of MA should be seriously considered. EVERYBODY, M'care recipients and every voting aged family member of those recipients NEED to contact their. congressmen. I believe my MA may have upcoded my diagnosis. I don't know what to do except talk to my Dr. What can she do? Thankfully I turn 65 and have signed up for M'care for 2025
My MAP medical covered my eye exams. My vision plan did not cover my glasses, unless I had cataract surgery…and only one time. I opted for a premium plan thinking the coverages would be better. Nope! My AARP membership got me a 30% discount for my glasses, and it was still close to $800! My dental paid for 2 cleanings and fluoride treatments twice a year. Comprehensive coverage, I would have to be prepared pay 40% to 60% of the cost, per procedure. Needless to say, I walked away from my MAP.
I so hoped you were going to say that Oz had not said everyone should be on Medicare Advantage. Many, well fewer now, people still have insurance from their employers that behave as supplemental insurance. And, Medicare Advantage would change their coverage. I hate tunnel vision, and there seems to me no cure for those hawking Medicare Advantage -- present company excluded, of course.
Arrggh I tried to explain to my mil that zero premium could cost more depending upon how many copays she paid in a year. I hate the theory that zero premium is best!
"Stay in the rehab facility and pay thousands ... or " happened exactly to my brother. Having to leave because of his advantage plan resulted in his death.
Be proactive and contact your senators, congressman and even Dr. Oz and tell them how it really works and how they should do the right thing for American people.
Thank you for a great video and opinion. If Dr. Oz is confirmed by the Senate, do you think supplemental plans could be manipulated, people forced off their medigap plans?
Some of these new "nominees" remind me of cartoon caricatures. Especially, "Oz" (aptly named) isn't the only nominee in other official positions that has caused a "shock" as it were.
I have received at least 50 letters/advertising cards and other mailed items from Advantage companies since October. None of them mention the negatives of these plans. It's all sugarcoated drivel. It appals me that this is fed to seniors who are already trying to scrape by on social security only with grocery prices going up daily. Sure, that zero premiums sounds good! Then when they need to use it they won't pay. These plans should be illegal.
Who’s the idiots? I’ve had my Atnea PPO Advantage Plan for 6 years now with $0 premium, and couldn’t be more pleased. A year ago I had knee replacement surgery and out-pocket-expenses of only $350.
So glad to see someone defending Medicare Advantage. Not everyone can afford the monthly payments of supplement plans. We do the best we can. Stay very informed of all changes in your AP. I do and btw I already just changed to an atnea PPO Advantage plan.
My mom had Humana advantage plan. She broke her hip, and after surgery, they sent her home with a catheter. The medical transporters and I didn't think she should be released with a catheter, but the hospital was in a rush to get her out. They sent her home with a UTI from the catheter. When I called a doctor to do a home visit, he informed me that he needed another catheter in case mom needed it. Humana wouldn't cover it. Mom wound up back in the hospital for 5 days, and they admitted to me that patents sometime get infections from the catheter. So, for the cost of a catheter, Humana had to pay for another 5 days in hospital. The home visit doctor told me that regular Medicare would have covered the catheter. So I went with regular Medicare when I had to sign up.
I tried advantage it was nice to get the extras but I would rather have my hospital bills paid, and able to get what I need thru Medicare where you won't get kicked out of hospital or rehabilitation ! My Dr called and told me his office does not except the advantage plan anymore or the hospital except it !!!! I went right back to Medicare and NOT advantage, thanks to watching these videos and MS. Porter in Congress!!!! Advantage kicked my mom out of rehabilitation after 2 weeks from her falling and having hip surgery! She is 86 yrs old!!! And rehab said she owes $1,700.00 even tho it was pre approved!!!! Advantage said it was co pay!!! Another reason to get off advantage,!!!! My hospital said there will be other advantage plans that hospital will NOT be excepting soon!!!!! So be careful ! I hate that they call it Medicare advantage!!!! Tricks ppl into thinking it's part of medicare ! ,and in the long run I don't want to be sorry!!!! The advantage plan told me they set me up with new Dr that excepts their plan but I did not want a strange Dr. That does not know me!!! Or can't go to main hospital in my area bc they don't except that advantage!!!! Dr.Oz needs to understand the whole situation!! Thanks for videos and explaining this!!!!
I deal with denied surgeries, outpatient services, or inpatient hospitalizations. Advantage plans have to pre-authorize everything. They take their good old time making a decision and make you go through all other options first. They don’t care if you are in pain or dying. They deny a lot of chemotherapy, and if you need a heart valve replaced, they will deny that too. If the hospital provides the service without getting the authorization, you may not get a bill but the hospital gets stuck with it. This just drives the cost of healthcare up. Oh and forget sub acute care after your acute hospitalization, they take days to decide if you need it- which they think you don’t. The subacute facilities won’t accept the patients due to the insurance they have , likely because they don’t get reimbursed correctly. This happens over and over. It’s a viscous cycle. The only people who benefit are the heads of these big insurance companies. If you can afford straight Medicare with a gap plan, do that. You get one chance to go back to Medicare within or just after the first year, after that it’s very hard or impossible to change back if you go with an advantage plan - especially if you have any chronic problem like hypertension, diabetes, a previous cancer, or anything you take chronic medications for.
My sister just went thru the same denials and appeals process - from Medicare. After surgery for three blood clots in her left leg, she was denied the time and therapy she needed and was sent home when she still could not walk to the bathroom unaided and could not stand long enough to fix her own meal. We were appalled at the lack of concern for her well being and family members had to spend the next six weeks running back and forth, taking time off work, etc. to make sure she would be safe and fed. By the way, she has original Medicare and a stand alone supplement as she can still afford those options. She does not qualify for Medicaid. As terrible as these Advantage plans can be, many of my senior friends would never be able to afford a supplement, never be able to afford any out of pocket costs, never be able to access eye and hearing doctors. Almost all of them are so low income that they also qualify for Medicaid to help cover their needs. Medicare Advantage plus Medicaid is their only option for any kind of care. Perhaps that is what needs to be fixed.
Advantage plans should only be considered by folks who cannot afford original Medicare. Something is better than nothing. But if you can afford the additional $250-$300/month, you should be on original.
Advantage plans are cutting many benefits and costing out of pocket expenses. Have experienced denials because of the Advantage plan I'm on. Once you're on an Advantage plan for a year it's almost impossible to change to a non-advantage plan. Many hospitals are now not accepting Advantage plans.
Dr Oz will be a nightmare for seniors. As a senior on an advantage plan it's really bad. Please seniors, do not do an advantage plan. My neighbor tried to get me on it for years. I finally, sadly, took it. It's bad. When my neighbor got cancer he got kicked back out of the advantage plan. He did not have a choice.
The way I understood Medicare Advantage that I did not like is if you are in a car wreck for example but you are far away from home the hospital you are taken to may not accept the Advantage plan you have. So they will treat you in this emergency but you will get to pay the whole bill yourself. With original Medicare everyone has to accept it by law.
The cheapest part D, RX, in my area is $40/ month, which used to be $12.00. We still pay high premium on original Medicare. There shouldn't be a penalty for not get'n partD on initial start up. I pay a monthly penalty bc I wasn't on expensive meds & thot why pay for something I don't need & wasn't told I'd pay penalty for not get'n it. I can't afford monthly premium for PartD to go back on original Medicare. I could if Medicare dropped that hugh monthly premium but they're gonna keep us hostages one way or another 😢😡
I've sold health insurance for 40 years. I have hundreds of satisfied client on MAPD plans. I'm on a MAPD plan. Less than 4% of all MAPD insureds ever hit their MOOP. I purchased hospital independent plan with riders to help pay costs while in the hospital.
Brian, I am so glad for you that you found a plan that has, so far, worked for you. When you have a much larger pool of data from which to pull, like tens of thousands of seniors helped, you would have a much better understanding of the risks involved. I'm sure you also know that the hospital indemnity plan does not replace an HMO telling you that your course of care is simply NOT COVERED. I wish you continued success and health. May you never become one of those that tells me I was right and you should have listened.
As an insurance broker, I pray that someone will step forward and tell the truth about the advantage plans compared to a original Medicare and a Medicare supplement. Advantage plans are not the answer. Dr. Oz, please look forward and further before you make decisions
He sounds like a shameless used car salesman. And he lies and misleads in his sales pitch. I don’t know how he was nominated for this position. I’ve never liked him and have always seen him as a grifter. I’m not wrong.
OMG! You never get value on advantage plans. You have to find a practitioner who takes that particular plan and usually these are not the top docs. These plans are great if you NEVER need actual medical care. I went through hell trying to get my mom basic therapy after she had a stroke. They keep giving freebies because it's cheaper then providing actual medical care when it's really needed. So you can go to the gym for free but if you have any serious medical condition, you will be up the creek trying to get treatment from quality practitioners. I can't believe that Oz is on board with this.
NO NO NO.
I want to keep what I have regular Medicare.
Who’s paying him to pitch those plans.
I was an employee in a hospital for 39 years, and have had many conversations with social workers, medical coders and those in the business office. There is NO WAY I'm giving up Medicare for an advantage plan.
It's disturbing that Oz has promoted advantage plans. Clearly, being a cardiac surgeon doesn't necessarily mean you're smart in OTHER areas!
Give him a break he said IFBIT MAKES SENSE FOR YOU!!!
Dr Oz has sold out to advantage care!
Your comment is highly appreciated as it validated my thoughts about medicare advantage ❤.The fact you worked in,around the medical industry tells me you'd be one to really know what goes on behind the scene.I also am disturbed by Dr.Oz promoting this especially if he's getting paid to do so.
Having cardiac problems or cancer will cost you financiallly much more if you are on an advantage plan unless you buy the cadillac plan...advantage plans turn down authorizations, delay authorizations for possibly life saving treatments and procedures much more often than regular Medicare plans.
He is smart, but he is greedy so he is happy to grift.
Thank you, Chris, for putting this out there for everyone to hear. I groaned when I heard Trump wanted Oz to run Medicare. I have such a sleazy feeling about Mr. Oz. Follow the money and the fame. How do we voice our concern?
Dr Oz scares me regarding our health insurance. He needs to have agents who can also show the downside to advantage plans. My aunt was on an advantage plane, got cancer and had huge medical bills. My dad was on regular Medicare plus a supplemental. He got cancer and had no out of pocket. I will never do an advantage plan.
An Advantage plan is great for a $0 premium as long as you never have to take advantage of it.
Chris, if you start a petition against Oz, let us all sign it. Thanks!
That’s a great Idea,
Petition against.
51% of the Medicare population has already made this mistake...
Because sadly many of them were misinformed when they signed up for them.
No insurance company should be able to deny claims of any kind. If they sell they should be made to pay
He's a pitch-man.
I have little respect for what he does.
When everybody tells zero premium they all seem to forget the fact that your Medicare part B premium is coming out of your pocket one way or the other. That’s not zero dollars.
Thank you Chris. Please continue to advocate for us!!!
Dr. Oz is the worst candidate for this position... Dr. Ben Carson should have been the nominee for this. Oz is the "male version" of Oprah, I do not trust either one!
Oz has got to go.
What about the $5,000.00 deductible a year and what about the pre authorization why does no one talk about that and the damage they have denying services ?
Tell your congressmen!
Glad you did this video Chris . I was stunned when he said he wanted everyone on Medicare advantage. I will be the first to say , seniors are not going to stand for this shit.
I will sign up if he will.
I have never liked him. Don't trust him.
This is frightening! Thanks be to you for the very frank information you provide.
Thank you for your video.
I forwarded this video to Donald Trump Junior and asked him to share it with his father, Donald J Trump.
He needs to be informed about what Dr. Oz is sharing.
I hope Don Jr. sees the video. Thanks for trying.
Do you really think Trump cares how this is actually not good for Medicare recipients? Who do you think Trump donors are? These Medicare plans make millions of dollars for the insurance companies while denying care.
Republicans are heavily in favor of privatizing Medicare. I'm surprised you aren't aware of this. They like Medicare Advantage.
@@cindyrose4155 thank you
Thanks Chris love that you are dedicated to this shifting sand of healthcare 16:16 . OZ is not a good fit for head of Medicare. We need to say pass on him. He is to invested in the insurance, pharmaceutical end of health care
But..... the one main thing is if you get sick and wanna go back, you must get medically qualified. If you have certain conditions, you are denied.....forever...you are stuck in Medicare Adv. Regular Medicare does not have to accept you back.
Let’s pray President Trump knows more than Dr. Oz and does not put him over Medicare! Medicare Advantage is horrible. Anyone that has worked with the advantage plans knows how bad they are.
He’s totally into HMO’s. Once again we see the ignorance of the American voter, voting to HURT themselves. This is incredibly soooooo SAD!
I find it absolutely amazing that despite all the discovery out there about the disadvantages of Medicare Advantage Plans that possibly 64% of new enrollees will be choosing it. Add to that the possible conflict of interest of Dr. Oz 's nomination by Trump for heading up the Center for Medicare and Medicaid Services. I will be contacting my Senators to thwart Dr. Oz's nomination. Thanks for bringing this to light Chris!!
Thank you for this video. Us seniors need to get together and speak up. If this is what Dr. Oz wants for us we need to push back. The sooner, the better to prevent it. I know more people on MA then original. I try to warn them but because they haven't had any major issues they think MA is great and don't want to listen.
Oz’s holdings, some shared with family, included a stake in UnitedHealth Group worth as much as $600,000, as well as shares of pharmaceutical firms and tech companies with business in the health care sector, such as Amazon. Collectively, Oz’s investments total tens of millions of dollars, according to financial disclosures he filed during his failed 2022 run for a Pennsylvania U.S. Senate seat.
Thank youfor this information. I must admit when hearing of his nomination by Pres Trump, I was astonished...what does he bring to this to help seniors? How is he qualified to serve in this capacity? I'm seriously concerned by this! BTW, your company has been such a good help to me for 2 years now. Thank you for all the work you do for all seniors..appreciate you so much!
Again, I am so grateful for you keeping us so well informed. 🙏🏽🤗
Medicare Advantage ok if you are healthy. I did it first two year when eligible along with my employer insurance. Switched to original Medicare at age 69. Glad I did. Had to go to hospital in September 2024 and bill was $292,000+. Medicare and my supplement paid it all. Medicare Advantage would have cost me and I might have been kicked out of hospital before I was ready. I am glad to pay the supplement premium every month and have a choice of my doctors.
Thanks for all you do! I'm so glad I found your office four years ago when I first became of age to sign up for Medicare. I have told my friends about you.
God help us if Dr. OZ gets confirmed!!! Seniors will die bc we already get lousy care.
Zero dollars is just to tempt one to get an Advantage plans! But there is so much more to consider - mainly the network of doctors, prior authorizations and delays in payment to hospitals! Advantage plans do not have the same coverage as Original Medicare! Putting everyone on Advantage plans would be disastrous for Seniors!!!!!
And The rationed, denied care
You only get the zero dollar plan IF your state is paying your copay. Not all states do. And even then you have to have a low enough income to also qualify for Medicaid!
Oz is definitely in private insurance promo's , wonder how much kick backs he's gets ??? I don't like Trump choosing him.
He and his wife own stock in companies that offer Advantage plans.
@@Liberty-tn3rs maybe he knows the covid guy? Big bucks
This is only my opinion, but I think OZ knows all about the drawbacks of MA. He must be paid very well to do these commercials and does not care about how getting MA could affect seniors.
Chris, can you try to get in touch with Dr. Oz or someone close to him to educate him about how medicare REALLY works?
There is also a panel at MAHA that you can vote for people ( or run for a position, hint) and leave comments.
I'm on the same page with you Chris ..Total BS
It's all about education. I would guess that 90+% of people that choose a Medicare Advantage plan when they turn 65 or when they leave their employer, don't know what a Medicare Supplement provides. Yes, it costs money and not everyone can afford it, BUT, A LOT of people can FIND the money if they knew the difference.
So sad the way human beings are treated. And the way people (companies) are dishonest.
All about the dollar...sad.
Chris you have related stories of the horror of these Advantage Plans as seniors are denied healthcare on these plans. I have two sad stories, one a friend on an Advantage Plan and being denied the care she needed. They would not pay for the drug she needed to treat her specific cancer. She went through two appeals. The care she didn't get; almost guaranteed her cancer would not be successfully treated. She passed away 7 months later; she never got into remission. Another friend had three healthcare crisis in one year; all three required surgery. Her bills on these Advantage Plans were unbelievable. Also, she needed extensive physical therapy; her out of pocket was unbelievable because of denial of care by her Advantage Plan. She tried to go back on regular Medicare; but, she couldn't find a Supplemental Insurance that would accept her. She couldn't get through their medical questions (pre-existing conditions questions). She is stuck on an Advantage Plan.
I hope there is advocate for those of us are on original medicare. Seems like a conflict of interest for Dr Oz to be the head if medicare
Contact your congressmen
Dr Oz was appointed to make negative changes to our healthcare. It’s about the elite making money by denying basic healthcare. Trump will funnel our money to the rich.
HE SAID …IF IT MAKES SENSE FOR YOU!!! My advice. DONT DO IT
Advantage spends more money on advertisements than on patients.
Somebody better smarten Dr OZ up on insurance. After 38 yrs of working with insurance companies, he has A LOT TO LEARN! My nurse practitioner husband always referred to it as the DISADVANTAGE plan! Buyer beware! Dr Oz, surround yourself with intelligent, insurance savvy people!
This is maddening. He literally sounds like a snake oil salesman from the old western days.
How can we get a grassroots effort to enlighten Dr Oz or get President Trump to rethink this appointment?
Corruption at its best.
Also know that Vision Care under these plans is for routine eye exam. The vision benefit doesn’t cover medical conditions such as glaucoma,macular degeneration. Those would fall under the medical benefits. Many eye conditions require expensive eye drops. Sometimes it takes months to find the exact drop that works for somebody . If your insurance company is changing their formulary every couple of months, it can be a disaster for chronic eye problems: prior authorization delays, specialty pharmacies, not to mention the outrageous expense of some of these important drops that preserve vision.
Advantage is a pay as you go plan. Several co-insurances and deductibles!! Some people who tried to use dental, could not find a dentist within 50 miles of their house to go to. Good luck trying to getting a pair of glasses for no cost.. Not all Advantage plans have dental or the debit card, It’s based on your zip code!
Advantage plans are local, that means if you travel you are out of your healthcare area, and if you are lucky they will cover an emergency visit, but that's it..
Tell that to your congressmen
Many Americans trust the advertisements these Medicare Plans run on TV and don't bother to check on the details. It will come back to bite them.
All the vibes of a sleazy used car pitchman.... people will fall for it and suffer, and then they get to suffer from tariffs too. Enjoy the America you voted for.
Medicare Advantage isn't a bargain when they deny your treatment which often happens.
The old saying “ there no free lunch” or “you get what you pay for “definitely applies. I have friends that are going broke because the Advantage plans pay for nothing when you’re really sick.
…and if it sounds too good it probably is!
OMG. I switched from an Advantage program to regular Medicare when my younger (and still working) wife developed a very rare type of cancer and had to go to a university center for treatment. She could do that because she had regular health insurance (not an HMO). I'm sure that her treatment cost over a million dollars at this point. If she was under an HMO, would they have allowed that? I don't know. I'm relatively healthy, so I could switch from Advantage to regular Medicare... thank God. You never know what health issues lie ahead. I'm also a doctor, like Dr. Oz. Would that qualify me to run Medicare/Medicaid? Nope.
If you have crap insurance you'll end up paying lots of money out of pocket. And most of it is crap
I am so incredibly thankful that I no longer have Advantage insurance!!
I now must pay over $500/mo for my hubby and I for Original Med. with supplement N….BUT, this year I was diagnosed with Pancreatic Cancer and my care has been over 325k so far!!
$500/mo x 18 mos. = approx $9k and my total copays so far are less than $1k.
THANK YOU SENIOR SAVINGS for getting us off Advantage Care!!
There is no such thing as a free lunch… ever! The bill always come due.
Medicare advantage puts the patient at a disadvantage. I wonder how much Dr. Oz was paid for this commercial. Go with the good old advice, 'if it sounds too good, don't believe it'.
Cmon Dr Oz!!! I thought you knew better. I just lost all faith in him.
Pure evil at the core.
Lawdy we got big troubles with OZ.
I say he’s a pitch man, never had a good feeling about him for a very long time. He’s very two faced as far as I’m concerned.
He was all about promoting his show!
helenbryant4353 - He's (Oz) is all about promoting anything that will pull in more money for him!!! He's a shyster and a conman!!!
Dr Oz? Definitely, PAY ATTENTION to the man behind the curtain!
Maybe the tobacco companies, the FDA, the big food industry, and the pharmaceutical industry should pay for every kind of medical insurance that’s available to the public !
After all, we buy their products, but their products are main reason people are in need of such medical insurance. Their products have also accelerated the mortality rate all over the world for that matter !
BEFORE this nomination, I wrote my congressmen, concerning the fraud and noncompliance of MA to regulations of M'care (like the snippet of the Congressional hearing you showed), in Alabama. One responded in a general message of being concerned with Medicare for a while. The other was more forthcoming and said, M'care need to be overhauled and the benefits and comprehensive coverage of MA should be seriously considered. EVERYBODY, M'care recipients and every voting aged family member of those recipients NEED to contact their. congressmen. I believe my MA may have upcoded my diagnosis. I don't know what to do except talk to my Dr. What can she do? Thankfully I turn 65 and have signed up for M'care for 2025
My MAP medical covered my eye exams. My vision plan did not cover my glasses, unless I had cataract surgery…and only one time. I opted for a premium plan thinking the coverages would be better. Nope! My AARP membership got me a 30% discount for my glasses, and it was still close to $800! My dental paid for 2 cleanings and fluoride treatments twice a year. Comprehensive coverage, I would have to be prepared pay 40% to 60% of the cost, per procedure.
Needless to say, I walked away from my MAP.
I so hoped you were going to say that Oz had not said everyone should be on Medicare Advantage.
Many, well fewer now, people still have insurance from their employers that behave as supplemental insurance. And, Medicare Advantage would change their coverage.
I hate tunnel vision, and there seems to me no cure for those hawking Medicare Advantage -- present company excluded, of course.
Arrggh I tried to explain to my mil that zero premium could cost more depending upon how many copays she paid in a year. I hate the theory that zero premium is best!
"Stay in the rehab facility and pay thousands ... or " happened exactly to my brother. Having to leave because of his advantage plan resulted in his death.
Dr Oz will qualify for Medicare next summer. Will he be getting himself an Advantage plan?
Why are they even considering him. Are they going to try to put us all on it? Scary!
Wow! Thanks Christopher!!! Just more scams!
Shame on you, Dr. Oz. you took a hipocratic oath. You must be on the money on wheel....
Be proactive and contact your senators, congressman and even Dr. Oz and tell them how it really works and how they should do the right thing for American people.
They know how it works, they just don't care about the average citizen.
Thank you for a great video and opinion. If Dr. Oz is confirmed by the Senate, do you think supplemental plans could be manipulated, people forced off their medigap plans?
Some of these new "nominees" remind me of cartoon caricatures. Especially, "Oz" (aptly named) isn't the only nominee in other official positions that has caused a "shock" as it were.
It's a dumpster fire!
I have received at least 50 letters/advertising cards and other mailed items from Advantage companies since October. None of them mention the negatives of these plans. It's all sugarcoated drivel. It appals me that this is fed to seniors who are already trying to scrape by on social security only with grocery prices going up daily. Sure, that zero premiums sounds good! Then when they need to use it they won't pay. These plans should be illegal.
I wonder what disadvantage plan is Dr Oz going on once he is old enough for Medicare?! 😖
Who’s the idiots? I’ve had my Atnea PPO Advantage Plan for 6 years now with $0 premium, and couldn’t be more pleased. A year ago I had knee replacement surgery and out-pocket-expenses of only $350.
So glad to see someone defending Medicare Advantage. Not everyone can afford the monthly payments of supplement plans. We do the best we can. Stay very informed of all changes in your AP. I do and btw I already just changed to an atnea PPO Advantage plan.
My mom had Humana advantage plan. She broke her hip, and after surgery, they sent her home with a catheter. The medical transporters and I didn't think she should be released with a catheter, but the hospital was in a rush to get her out. They sent her home with a UTI from the catheter. When I called a doctor to do a home visit, he informed me that he needed another catheter in case mom needed it. Humana wouldn't cover it. Mom wound up back in the hospital for 5 days, and they admitted to me that patents sometime get infections from the catheter. So, for the cost of a catheter, Humana had to pay for another 5 days in hospital.
The home visit doctor told me that regular Medicare would have covered the catheter. So I went with regular Medicare when I had to sign up.
@@jimtheflea hey Jim…may I ask how old you are?
yeah, well, you better keep checking your coverage because you can get kicked off of it without warning.
Another way to do in the elderly. Oz not a good pick IMO
After what happened to my mom, I can't watch this! Oz is from the land of Oz
I tried advantage it was nice to get the extras but I would rather have my hospital bills paid, and able to get what I need thru Medicare where you won't get kicked out of hospital or rehabilitation ! My Dr called and told me his office does not except the advantage plan anymore or the hospital except it !!!! I went right back to Medicare and NOT advantage, thanks to watching these videos and MS. Porter in Congress!!!! Advantage kicked my mom out of rehabilitation after 2 weeks from her falling and having hip surgery! She is 86 yrs old!!! And rehab said she owes $1,700.00 even tho it was pre approved!!!! Advantage said it was co pay!!! Another reason to get off advantage,!!!! My hospital said there will be other advantage plans that hospital will NOT be excepting soon!!!!! So be careful ! I hate that they call it Medicare advantage!!!! Tricks ppl into thinking it's part of medicare ! ,and in the long run I don't want to be sorry!!!! The advantage plan told me they set me up with new Dr that excepts their plan but I did not want a strange Dr. That does not know me!!! Or can't go to main hospital in my area bc they don't except that advantage!!!! Dr.Oz needs to understand the whole situation!! Thanks for videos and explaining this!!!!
People have worked and paid into this system - Medicare or Medicare advantage should be a choice !
I deal with denied surgeries, outpatient services, or inpatient hospitalizations. Advantage plans have to pre-authorize everything. They take their good old time making a decision and make you go through all other options first. They don’t care if you are in pain or dying. They deny a lot of chemotherapy, and if you need a heart valve replaced, they will deny that too. If the hospital provides the service without getting the authorization, you may not get a bill but the hospital gets stuck with it. This just drives the cost of healthcare up. Oh and forget sub acute care after your acute hospitalization, they take days to decide if you need it- which they think you don’t. The subacute facilities won’t accept the patients due to the insurance they have , likely because they don’t get reimbursed correctly. This happens over and over. It’s a viscous cycle. The only people who benefit are the heads of these big insurance companies. If you can afford straight Medicare with a gap plan, do that. You get one chance to go back to Medicare within or just after the first year, after that it’s very hard or impossible to change back if you go with an advantage plan - especially if you have any chronic problem like hypertension, diabetes, a previous cancer, or anything you take chronic medications for.
so important. Write your congressmen to educate them about this and hopefully Dr. Oz will understand this is a bad idea or he wont get confirmed.
Dr. Oz should be ashamed
Of himself,
Lord have mercy on us,
I don’t trust Dr. Oz.
I am with advantage and I don’t like them at all!! Hope I can go back to my original mediacare
My sister just went thru the same denials and appeals process - from Medicare. After surgery for three blood clots in her left leg, she was denied the time and therapy she needed and was sent home when she still could not walk to the bathroom unaided and could not stand long enough to fix her own meal. We were appalled at the lack of concern for her well being and family members had to spend the next six weeks running back and forth, taking time off work, etc. to make sure she would be safe and fed. By the way, she has original Medicare and a stand alone supplement as she can still afford those options. She does not qualify for Medicaid.
As terrible as these Advantage plans can be, many of my senior friends would never be able to afford a supplement, never be able to afford any out of pocket costs, never be able to access eye and hearing doctors. Almost all of them are so low income that they also qualify for Medicaid to help cover their needs. Medicare Advantage plus Medicaid is their only option for any kind of care.
Perhaps that is what needs to be fixed.
How was she denied care if she had Medicare and a supplement?
I've never been denied coverage for anything on original Medicare.
Advantage plans should only be considered by folks who cannot afford original Medicare. Something is better than nothing. But if you can afford the additional $250-$300/month, you should be on original.
Advantage plans are cutting many benefits and costing out of pocket expenses. Have experienced denials because of the Advantage plan I'm on. Once you're on an Advantage plan for a year it's almost impossible to change to a non-advantage plan. Many hospitals are now not accepting Advantage plans.
Dr Oz will be a nightmare for seniors. As a senior on an advantage plan it's really bad. Please seniors, do not do an advantage plan. My neighbor tried to get me on it for years. I finally, sadly, took it. It's bad. When my neighbor got cancer he got kicked back out of the advantage plan. He did not have a choice.
I pray Dr. Oz, if confirmed, will not be able to make everyone have Medicare Advantage!
I pray he's not confirmed.
You should've been nominated for that position❤❤❤❤
The way I understood Medicare Advantage that I did not like is if you are in a car wreck for example but you are far away from home the hospital you are taken to may not accept the Advantage plan you have. So they will treat you in this emergency but you will get to pay the whole bill yourself. With original Medicare everyone has to accept it by law.
All Medicare Advantage plans are required to cover urgent and emergency care needs nationwide, at in-network copays.
The cheapest part D, RX, in my area is $40/ month, which used to be $12.00. We still pay high premium on original Medicare. There shouldn't be a penalty for not get'n partD on initial start up. I pay a monthly penalty bc I wasn't on expensive meds & thot why pay for something I don't need & wasn't told I'd pay penalty for not get'n it. I can't afford monthly premium for PartD to go back on original Medicare. I could if Medicare dropped that hugh monthly premium but they're gonna keep us hostages one way or another 😢😡
I've sold health insurance for 40 years. I have hundreds of satisfied client on MAPD plans. I'm on a MAPD plan. Less than 4% of all MAPD insureds ever hit their MOOP. I purchased hospital independent plan with riders to help pay costs while in the hospital.
Brian, I am so glad for you that you found a plan that has, so far, worked for you. When you have a much larger pool of data from which to pull, like tens of thousands of seniors helped, you would have a much better understanding of the risks involved.
I'm sure you also know that the hospital indemnity plan does not replace an HMO telling you that your course of care is simply NOT COVERED.
I wish you continued success and health. May you never become one of those that tells me I was right and you should have listened.
As an insurance broker, I pray that someone will step forward and tell the truth about the advantage plans compared to a original Medicare and a Medicare supplement. Advantage plans are not the answer. Dr. Oz, please look forward and further before you make decisions
He sounds like a shameless used car salesman. And he lies and misleads in his sales pitch. I don’t know how he was nominated for this position. I’ve never liked him and have always seen him as a grifter. I’m not wrong.
OMG! You never get value on advantage plans. You have to find a practitioner who takes that particular plan and usually these are not the top docs.
These plans are great if you NEVER need actual medical care. I went through hell trying to get my mom basic therapy after she had a stroke.
They keep giving freebies because it's cheaper then providing actual medical care when it's really needed.
So you can go to the gym for free but if you have any serious medical condition, you will be up the creek trying to get treatment from quality practitioners. I can't believe that Oz is on board with this.
My Advantage Plan is working just fine for me so far!
So glad!!!
She didn’t seem to expose the fact there are additional expenses
We already know "advantage plans" are no advantage when it comes to your health care!!! I know many who have it and they are awful plans!
Change the commission a broker makes when selling a Med Adv. plan only $100 and see what plans start to get recommended. FOLLOW THE MONEY
Oz should be evicted from America.
Dr oz is a joke! He's a great salesman!