The Hidden Risks of Medicare Advantage—A Real Story

I’ve written numerous articles and appeared on financial podcasts discussing the risks of Medicare Advantage, but sometimes, the most powerful lessons come from real-life experiences. I recently came across a Facebook post in the IBM retiree group that struck me—and I want to share it with you.

The IBM UnitedHealthcare Medicare Advantage Plan is considered one of the best Medicare Advantage plans available. But even with a top-tier plan, this healthy retiree ran into a nightmare scenario that anyone could face.

Here’s what he posted:

“A couple of weeks ago, I injured my foot, and it became infected. After a visit to the ER, I was admitted to a local hospital. Ultimately, I was diagnosed with a bone infection, and a small part of my foot had to be amputated.

I’m getting ready for discharge, but UnitedHealthcare has denied my hospital’s referral to a rehab facility. I’ve appealed the denial to UHC , and I’ve also appealed the hospital’s discharge decision to Medicare. But now, UnitedHealthcare has notified me that if I don’t leave the hospital, all future charges will be my responsibility.

I don’t know what to do. I can’t get the care I need at home. UHC won’t cover an extended hospital stay or a rehab facility. I’m stuck fighting UHC  when my focus should be on healing.”

This is the reality of Medicare Advantage. Many people are happy with their plan—until they need costly care. That’s when Prior Authorization kicks in, and decisions are made by insurance companies looking to cut costs, not by doctors focused on patient care.

Don’t wait until you’re in a crisis to learn the truth. Watch my Medicare Advantage: Dirty Little Secrets video to make an informed decision that protects you—not the insurance companies.