Medicare Advantage plans often advertise low premiums and extra benefits, but their structure can quietly limit access to physician-directed care. Through restricted networks, prior authorization, and administrative denials, patients may lose control precisely when medical complexity increases. This physician-led guide explains what Medicare Advantage plans do well, where they fall short, and why understanding these tradeoffs before enrollment matters. (≈470 characters)

Start Savings TODAY Health Savings Accounts (HSAs) have gained popularity in the United States as a tax-advantaged way for individuals...