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MA is NOT better than regular Medicare.In fact, it’s a big myth being perpetuated by an industry that sees BIG profits in offering Medicare Advantage (MA).MA is a classic example of how actuarial math works. It’s great if you’re healthy — because you pay less out-of-pocket (and you get better preventative benefits), but it’s lousy if you do get seriously ill (hospitalization or a disease like cancer) because out-of-pocket costs are much, much higher. In fact — seniors who DO get seriously ill — wind up opting back into regular Medicare which has better coverage for serious illnesses.But that’s just the actuarial math part for Medicare Advantage beneficiaries.It gets worse — a lot worse — when you add in the fraud on the part of the insurance industry selling these plans.Medicare Advantage is at the center of a growing number of fraud cases, some of which involve the biggest names in the health-insurance industry. In 2017, the DOJ joined a multi-million-dollar case against the nation's largest insurer, UnitedHealth Group, alleging widespread fraud dating back to 2006. The Justice Department is also investigating several other health insurers, including Anthem, Humana, Cigna, Health Net, and Aetna.An analysis co-authored by Fred Schulte, at the Center for Public Integrity, estimated that insurance companies had received nearly seventy billion dollars in undeserved Medicare Advantage payments between 2008 and 2013.Systemic theft creates cost inflation which increases political pressure to make cuts, often affecting both the healthy and the unhealthy parts of a program. “That's going to translate in one way or another to less medical treatment when it's needed, and clear incentives for the insurance companies to provide poorer-quality care," Sparrow said.“Indiscriminate cost cutting hurts the honest people more than the dishonest. If you just cut reimbursement rates, they'll just bill more. They're not constrained by the truth." If politicians don't learn to discriminate between fraud and legitimate activity, Sparrow warned, "this will grow like a cancer and destroy your program.""We've never been able to get a direct measure of exactly how much fraud there is, but one of the clearest indicators is that, the more money is spent on fighting fraud, the more money is recovered by the government." Peter Budetti - former Deputy Administrator at CMS

Regarding health insurance, what has been your experience with Aetna or HumanaAccording to a Consumer Affairs site both rate 1 star out 5 average. Aetna had 113 posts and Humana 71 posts including General, dental, and prescription problems. Of course, unhappy customers are most likely to complain. The major complaints aredenials,lengthy appeals,misinformed customer service responses,failure to respond,provider payments, andpatient reimbursements.Source: Research. Review. Resolve.comAnother review sites rates Humana as a #2 based on a number of factors with a score of 9.7/10. Best Health Insurance Providers | Top Ten ReviewsAetna Review - Pros, Cons and VerdictHumana Review 2017 | Private Medical Insurance PlansAnother gives Aetna a 3.70/5 and Humana 3.91/5. Health Insurance ReviewsRelated:Top 25 Health Insurance Companies in the U.S.sMedicare Part D Best Medicare Part D Plans - Prescription Drug Insurance PlansHumana Medicare Insurance Review & ComplaintsAetna Medicare Insurance Review & ComplaintsJ.D. POWER ASSOCIATES Healthcarehealthcare#

A couple of years ago I had a physician tell me that he was burned out from dealing with all the bureaucracy and paperwork. He was especially frustrated with the electronic medical record and the computerized order entry that we just instituted. Without having another job lined up he told me he wanted to quit and go to work at an ER where they didn’t care so much about patient satisfaction scores, paperwork or the electronic medical record. I looked at him and just said “I don’t think that such a place exists. But, if you find one let me know and we will both work there until they are forced to change which should be a matter of months.”Medicine in the United States is the most paperwork intensive job there could ever be. No matter your specialty you will have to fill out a massive credentials packet for every single payer and insurance company you want to contract with. That means, Medicare and Medicaid, Blue Cross, Humana, Aetna and many more. Oh, and they don’t share information or have any sort of uniform verified application to avoid redundancy. Massive waste involved here. Then, you have a massive credentials packet for your malpractice insurance as well and another for each hospital where you intend to work. Of course you will have to obtain a state license as well. Let’s not forget you will also need a Federal Drug Enforcment Agency permit. Your State may also make you get one for them as well. And, all of this before you ever work your first shift and it doesn’t matter what specialty you are in.Once you get to work the paperwork just intensifies. In order to get reimbursement you have a ton of hoops you have to jump through. Most of the time it is disguised as “quality” but instead, it feels like a carnival game that is rigged to keep you from winning. If it were about quality then the US healthcare system would be the best in the world and it is seriously not. Your health care organization will have a lot of requirements concerning chart completion as well. Typical turnaround for chart completion depends upon your facility, but it is never much more than a week. They will start hounding you like crazy to get caught up through emails and phone calls and nasty notes and so forth. Then you will eventually have a case or two that will end up in peer review which will require a lot of written explanation. If you ever have the misfortune of being sued like I have, then you will get to generate even more massive amounts of paperwork in the form of depositions and so forth and it will follow you for the rest of your career like professional herpes.I think that all of this is pretty unrelated to what specialty you choose. The volume of crap is the same. It just changes in flavor. If you want to reduce this, then consider not being in the USA. I have had friends that have practiced in New Zealand and loved it in every way. Same for Australia and pretty much every medical mission to places in need. These experiences can be especially gratifying and will tie you back to the reasons you wanted to go into medicine in the first place.