Comments by "michael" (@michaeld4861) on "This Is Health…Care?" video.

Prolly cause drug and medical companies can charge whatever they want which makes the premium prices skyrocket. Also medigap plans are still private insurance as well so they aren't perfect, just not as insanely criminal in denying necessary care.
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@rickappling5470 Right now through 12/07 is the enrollment period in which you can drop the "advantage" plan and go back to regular medicare or switch plans for the 2024 year.
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First the premiums are mostly paid for by paying your medicare premiums so saying they return 93% to the member is very misleading, some plans have a $0 premium anyway so how do you think they even function? And how do you think they make up the difference if they cover more or the same as medicare but for a cheaper cost and give you money back? They do it by denying care when you need it most like emergency services and inpatient hospital stays, diagnostic tests when you are dying, etc.
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Be careful as the MA plan fail when you need them the most due to the prior authorizations required for hospitalization and other things. And they deny deny deny. I work for one the the plans and I've seen many people have their cancer radiation treatment denied as not medically necessary. Like, what!? There's a good video just put out by MorePerfectUnion on youtube showing a man that died because they denied his care after brain surgery and sent him home with a virus and high fever he contracted at the hospital and they had to call an ambulance again that same day.
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That's not a medicare advantage plan you are on. It's a retiree plan. You cannot be on a medicare advantage plan without also paying (and being eligible) for original medicare and medicare advantage plans cannot cover others such as spouses or family members. Also with anything in life, not everyone is going to be 100% screwed over all the time, but that doesn't mean that the company/plan is great and that it's not screwing over many other people regularly on purpose.
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