Medicare Advantage is a scam

Above are two pictures from the four that DALL·E generated when asked: “Present emotions seniors in the United States have with access to affordable medical care.”

The fall is nearly here. It is time for retirees in the United States to select their renewal Medicare plan. Younger people do not pay attention. They should; their money is at stake in the decisions of their parents, grandparents, and other senior family members.

There will be a deluge of advertising on TV promoting Medicare Advantage plans. We will see happy seniors who saved money and got a bunch of freebies by calling that magic 800 number. It sounds like Christmas every day. And it is equally realistic.

Medicare is not as good as many believe it is

We often hear that Medicare for everyone would be the ideal health care policy in the United States. I doubt that, as a Medicare user and writer with a fair knowledge of health care in the United States.

Before we go to the exciting part, we need a boring introduction to that maze. Medicare is government-run health care for retirees and some younger individuals on permanent disability. As with everything bureaucrats create, it is convoluted. It started in 1965 with coverage for hospital care but within certain limits. It is a so-called Plan A. Parallel, with a small premium, one can buy Plan B covering doctor’s visits and related ambulatory procedures and testing. Presently, Plan B covers only 80% of these fees.