Both products (MS & MA) have their place.
I agree that MS is by far a superior product and I strongly urge all of my clients to go that route paired with a Part D Plan. However, there are many that either;
1.) Can't afford the premiums.
2.) Have missed their Initial Enrollment Period/GI period, are unhealthy and won't qualify for MS.
3.) Are on SSDI and are under 65 and can't afford the exorbitant under 65 MS premiums.
4.) Are on both Medicare and Medicaid and are "dual eligible" and are a perfect fit for a MA Special Needs Plan (SNP).
For this group, MA is absolutely worth it if their doctors/hospital are in network.
