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<blockquote data-quote="Jim Simmers" data-source="post: 390183" data-attributes="member: 2674"><p>The amount of money you are spending for premiums is obscene. What are you going to risk in an advantage plan? Most advantage plans have a max out of pocket of less than $5000. That’s the most a plan would ever cost you including premium. You will be throwing away $7200 next year weather you use it or not. That’s insane. You have to do what you think is best for you but unfortunately someone gave you bad advise. Ask yourself this, you will pay part B premium next year of about $174.50 a month for 80% coverage and almost $300 a month for 20%. That again is insane. Some plans offer up to $4000 a plan year in dental at no additional cost. My average household savings from an advantage plan in premiums, copays, or other cost sharing benefits is $6900 a year. It’s no joke. This is to important to joke about. It could mean my 23 yr career and the over 2000 Medicare members I have represented over the years, including my own grandparents, my parents and aunts and uncles. Maybe an advantage plan isn’t for you but it wouldn’t hurt for you to talk to a professional.</p></blockquote><p></p>

[QUOTE="Jim Simmers, post: 390183, member: 2674"] The amount of money you are spending for premiums is obscene. What are you going to risk in an advantage plan? Most advantage plans have a max out of pocket of less than $5000. That’s the most a plan would ever cost you including premium. You will be throwing away $7200 next year weather you use it or not. That’s insane. You have to do what you think is best for you but unfortunately someone gave you bad advise. Ask yourself this, you will pay part B premium next year of about $174.50 a month for 80% coverage and almost $300 a month for 20%. That again is insane. Some plans offer up to $4000 a plan year in dental at no additional cost. My average household savings from an advantage plan in premiums, copays, or other cost sharing benefits is $6900 a year. It’s no joke. This is to important to joke about. It could mean my 23 yr career and the over 2000 Medicare members I have represented over the years, including my own grandparents, my parents and aunts and uncles. Maybe an advantage plan isn’t for you but it wouldn’t hurt for you to talk to a professional. [/QUOTE]

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