It is a good article. Thanks for posting it, Quirt.
We didn't even look very closely at Advantage because we had heard about the limitations imposed by the insurers and didn't want the hassle. Insurers certainly make Advantage sound attractive with the lower premiums and "free" extras like dental and vision. I'm guessing a lot of people are unaware of the tradeoffs aka there's-no-free-lunch..
Same as Mik here, traditional Medicare, Medigap, and Part D. Pay for our own dental. We see an ophthalmologist for annual vision exams, which are covered under Medicare except for the refraction. Glasses at Costco.
I've also wondered how agent commissions affect where the business goes. Some years ago when I was looking at prescription drug plans, I stumbled upon a forum for insurance agents who were talking about Part D plans. Not a small part of the discussion was about commissions, and how some agents were directing clients away from certain companies because they had dropped their commission rates.
Sidebar for those interested in how commissions for the various plans work:https://www.commonwealthfund.o...t-beneficiary-choice
We are all visitors to this time, this place. We are just passing through. Our purpose here is to observe, to learn, to grow, to love… and then we return home. - Australian Aboriginal proverb