The $0 Premium Trap: How Medicare Advantage Postpones the Bill

They tempt you with free dental and gym memberships, but the real cost of Medicare Advantage arrives when you actually get sick.

The television commercials featuring aging celebrities promising free dental care and grocery allowances are lying by omission. They never mention the $8,850 out-of-pocket maximum that triggers the moment your body actually starts to break down. They do not talk about the insurance adjuster sitting in a cubicle three states away who gets to decide if your mother's physical therapy is necessary. They sell you a product designed for healthy people, leaving you to foot the bill when life gets complicated.

More from Money & Care →   ·   Back to Perch   ·   Browse all stories