What Is The Best Medicare Advantage Insurance?

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   Ted Ratliff

   Owner, SFS Associates,

   It depends on your locality and personal situation. There is no way to answer that on this forum. When you shop for a Medicare Advantage Plan you need to consider several things. Is it an HMO that requires you to stay in network? If so are your doctors in the network? If it is a PPO (Preferred Provider Organization) you would still want to be sure your doctors are in network but you will be covered if you go out of network at higher out of pocket costs. Do you travel and are out of state more than a few weeks at a time? If so does you MA plan have a network you can utilize in the area you stay? Are all of your prescriptions covered? MA plans have a formulary and not all drugs are covered? It is always best to consult with a local agent who handles both MA plans and Medicare Supplement plans. A good agent with a good reputation in the area is always the best source for advice.

   Answered on April 20, 2013

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