We have been fortunate in Northern Michigan with stable carriers that follow the rules. As new carriers enter the market it will be important to watch star ratings and listen to the experiences people have had with their plan. As an independent agency we hear from about 600 people each year sharing their experiences. When someone wants a less than optimal plan - they can have it - but we will disclose the known pitfalls. Post-covid we have enough barriers to access to care. When a carrier puts up additional hoops to jump through as a cost savings tool - it is simply unacceptable. I want a healthy plan that is actively addressing fraud, waste and abuse and I also want access to care.
Fortunately consumers can vote with their feet when it comes to Medicare Advantage. There is the annual election period (AEP) every year from October 15 - December 7th. Consumers also have what we call the "do over" window which is an open enrollment window (OEP) from January 1st - March 31st in case they have made a bad decision during AEP.