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I will freely admit, I didn't know shit about medicare advantage plans prior to this shit show happening. Most people don't have a clue. But if you talk to a social worker at a hospital, they see it every single day. They are beat down trying to fight for their patients while watching them get fucked by insurance.


Never go HMO, PPO is worth the extra $ when you want to choose hospitals and specialists.


How's that work? My employer doesn't offer health insurance, just reimbursement and every plan on the marketplace is an HMO.


What state are you in? You should be able to get PPO plans in the healthcare marketplace. Expect to pay considerably more a month of it isn’t subsidized




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