Supplemental vs advantage
As another mentioned, the key is your state of health. There is a risk factor.
I've had Advantage for a couple of years All was good. No premiums. Low co-pays to visit the primary doc and Rx. This year, spouse and I both needed surgeries. 20% upfront co-pays for surgeons and hospital can eat a hole in your pocket really fast. With Supplemental, the out-of-pocket costs for co-pays would have been minimal or nothing.
So, it's really a choice between pay it forward or pay it when it happens.
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