When it comes to choosing OM + MS or a MA, it amounts to the old FRAM oil filter commercial, "Pay me now or pay me later"..People seem to never learn there is no such thing as a "free" lunch..It may be comparing apples and oranges, but that’s undoubtedly the comparison most will make. You can count on that.
I think the issue is more about whether you have access. I’d hate to have a plan that wouldn’t allow me to visit the medical professionals that are best able to help me.
HMO’s vs PPO’s vs Original Medicare(any Dr or facility that accepts Medicare) might be a better argument.
“Oh, you need heart surgery but can’t visit the best surgeon at the best facility?”