There is an opt out window for Medicare Advantage in Jan/Feb if you change your mind.
MA is real insurance. Medicare pays the insurance company a monthly premium, and they have to cover all your medical expenses, less co-pays. They can't go back to Medicare for more money.
With a MA plan you assume some additional risk up to your out-of-pocket limit. Drugs, under all Medicare plans have separate out-of-pocket risk.
MA works for us because we don't consume much in the way of medical care, and can afford the out-of-pocket risk if something happened.
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