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7 LIES Most YouTubers Tell You About $0 Medicare Advantage Plans

Medicare PlanFit

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You may have heard that a $0 Medicare Advantage plan could bankrupt you, deny the care you need, limit your doctor choices, or trap you in the plan for life...

But are those warnings actually true, or are some YouTubers leaving out key facts?

In this video, we break down seven Medicare Advantage myths, including how maximum out-of-pocket limits work, what to know about doctor networks and prior authorization, whether agents earn more from Medicare Advantage, and when you may be able to switch from Medicare Advantage to a Medicare Supplement (Medigap) plan.

Neither option is right for everyone. The goal is to help you see the full picture before choosing the best plan fit for you.

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#medicareeducation #medicaretips #medicareadvantage #medicare

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18 Comments

@DADDYBIGLUV 1 month ago

It's refreshing to hear an honest assessment of MA. Thank you!

@catsanddogs8983 3 months ago

Yes I think you are right, I have been watching a lot of Medicare videos and have discovered there are some very dishonest people putting forth information in a persuasive way that is not accurate, I live in a retirement community and almost everyone has advantage plans and guess what, they are all very satisfied, some have had very serious health problems and no problem with getting care, its ridiculous to think the average senior can afford medigap policies especially with premiums in many areas rising around 25% every year!!! I find these "agents" are often acting as if the supplements average price is much lower than the truth.

@briant340 3 months ago

What a great video, very informative.

@jasonrecord7898 2 months ago

Thank you!

@I_am_Mr_Temple 10 days ago

Don’t forget that ‘advantage’ can limit you by network, prior-authorizations, denials, overruling your own doctors etc

If they work, lucky you … just be aware that they can be hugely problematic when you start needing more healthcare services

@bluestar4648 4 weeks ago

They cost more than advantage plans

@Ray-ch2mi 2 months ago

Scan MA plan in L.A. County, the MOOP is only $200. Many plans in L.A. the MOOP is less than $1000.

@nancymiller4383 2 months ago

Can you talk about how physician offices are charging the outpatient hospital copay (much higher than a specialist copay)under Medicare Advantage? They call it a Hospital Outpatient Department, and somehow this is legal.

@julieboehme7241 3 months ago

I really appreciate this. I have been watching the videos you're talking about and I have commented on them that they are talking about the $200 and $300 monthly premiums of the supplementals in addition to the Plan B as if that's nothing.

@bluestar4648 4 weeks ago

I only get 1041 SS an pension what do i do lf my adavantage plan leaves me in oct

@jimdorsey8891 1 month ago

Lee Health (Southwest Florida): Lee Health announced it is ending its contracts with UnitedHealthcare, making Lee Health hospitals and physicians out-of-network for UnitedHealthcare Medicare Advantage plans starting January 1, 2027
Please explain

@ChrisSadowski10372 3 months ago (edited)

Like your unbiased approach. The simple fact is that the average person will not be able afford a plan G supplement long-term (over 10% average annual increase and even a 7% guarantees the supplement doubles every 10 years) Advantage is now going more towards the HMO model (in my opinion the worst possible health care someone can have) my plan is HDG (my state's equivalent- I live in Wisconsin) even going that route means you have to set money aside for your part. D cost and dental and vision coverage (I plan to self-insure for that) My advice is to save save save during your working years to plan for your retirement and that way you won't be forced into a plan that limits your networks and other coverages for healthcare.

@jimdorsey8891 1 month ago

My issue is Doctors stop taking the plan and many top hospitals.

@misterjag 3 weeks ago

$5,421 is the average max out of pocket for a Medicare Advantage plan. In contrast, the max out of pocket for Plan G HD is $3000.

@RobertPalmer-i2k 1 month ago

Add INDEMNITYS IF YOU ARE WORRIED

@Colt-ii4qn 8 days ago

Joe Namath is not on a Advantage plan ( I Guarantee it ! ) 😅

@KatheeRN 3 weeks ago

If you have an Advantage plan; you better get additional cancer coverage...

@mikeborner921 1 month ago

The video is full of half-truths. For example, on a Medicare advantage PPO plan, he forgot to mention that the M.O.O.P is drastically increased if you use this option, and that's only if the services are covered. Also, any doctor, hospital or specialist has the right to refuse your request if they are not in your plans network. The fact is, they will most certainly deny your PPO plan, unless, by small chance you had a previous relationship with that Dr. Fact: on a Medicare advantage PPO plan, you CANNOT see any Dr. you want. You can ask, but they will almost certainly say no.