Medicare Advantage plans can vary what they charge for specific medical services, unlike traditional Medicare, which has a rigid cost-sharing structure. Private plans may impose a copayment for each day of a hospital stay, for instance, rather than requiring enrollees to meet a deductible before their benefits kick in. Plans may also cover some or all of the cost of prescription drug coverage, which, under traditional Medicare, requires a separate premium.

Despite the out-of-pocket cap, Medicare Advantage enrollees may be exposed to higher costs than in traditional Medicare (e.g., during an extended hospital stay). These costs may not be anticipated or easily determined when enrolling in a Medicare Advantage plan. Some experts wanted to see more standardization in cost-sharing methods to help beneficiaries sort through plan options. Others favored retaining the current flexibility with some oversight. For example, there should be guardrails in place to ensure that plans are not using cost sharing to discourage patients with high-cost conditions from enrolling. CMS also could require plans to flag circumstances in which beneficiaries’ costs could exceed those in traditional Medicare.

One expert suggested giving plans greater flexibility to increase cost sharing for low-value services and argued against standardization, saying it didn’t make sense to create private plans and then constrain what they do.

Out Of Pocket expensive has always been a issue for the Medicare Advantage plan, especially for Seniors who are married, the out of pocket expsense can get costly quickly if both get sick, up to 16K out of pocket for a couple per year, and if you have  a chonic illness you will not be able to switch back over to Medicare during open enrollement due to that illness.  

What you need is a plan that covers the gap - out of pocket expsense so you can have peace of mind when it comes to your long term health care and expenses. Take a  close look at Impact Health Sharing Senior Plan

OPTION FOR ADULTS 65 AND OVER?

Individuals 65 and older with Medicare Parts A and B can be members of Health Sharing. And, with  Health Sharing, you will find a lot of the same things you expect from typical healthcare coverage, and so much more! Total our of pocket expense is 1K per person per year.

No Provider fees.
No Co-share.
No Pre-existing limitations.

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