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The Medicare Advantage trap what they don't tell you. You have three days left if you got suckered in by those omnipresent

ads for Medicare Advantage and left regular Medicare for the siren song of cheaper coverage,

free vision hearing, or dental, or even so-called free money to buy groceries or rides to the dock.

The open enrollment period for real Medicare closes at the end of the day

Saturday, December 7th. After that, you're locked into Medicare Advantage plans that you may

have bought until next year. If you have had Medicare Advantage for a year or more, however,

the open enrollment period is still open until December 7th. But you will want to make sure you can

get a Medigap plan that fills in the 20% that real Medicare doesn't cover. Companies are required

to write a Medigap policy for you at a reasonable price when you turn 65, no matter how sick

you are or what pre-existing conditions you may have. But if you've been off Medicare by being on

Medicare Advantage for more than a year, they don't have to write you a policy. So double-check

that and sign up for a Medigap policy before making the switch back to real Medicare.

So what's this all about? Why is it so complicated? When George W. Bush and congressional Republicans

and a handful of bought-off Democrats created Medicare Advantage in 2003, it was the fulfillment of

half of Bush's goal of privatizing Social Security and Medicare, dating back all the way back

to his unsuccessful run for Congress in 1978 and the main theme of his second

term in office. Medicare advantage is not Medicare. These plans are private health insurance provided by

private corporations who are then reimbursed at a fixed rate by the Medicare trust fund,

...