Ask Terry Questions Advantage Plans

Advantage Plans

By Terry Savage on November 21, 2025 | Insurance & Annuities

I know you are opposed to Advantage Plans and am wondering why.
We have had Plan F since turning 65 ( we are 77 and 75) and are very happy with it except the premiums have become very expensive and difficult for us to afford. We can’t change companies or plans except to MA because of health issues and wouldn’t pass the underwriting process.
Changing to a MA is very scary to us because of the unknowns but is tempting because of the $0
premiums.
Recommendations?

Terry Says

You say you “know” I am opposed to Advantage plans. Did you take the trouble to read the three-part report in the big red box on the home page of TerrySavage.com. It answers all your questions.
And to be more specific, here’s a link to a column I wrote TWO years ago, explaining the specifics. It has only gotten worse since then!
https://www.terrysavage.com/disadvantages-of-medicare-advantage/

I know Plan F is expensive. But you’re lucky to have it. Advantage will be even more expensive if you get sick.

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