[2BNTV]

Originally Posted by rivaridger1

Basically it boils down to what ever works for you. If you are banking the dollars saved from subscribing to an advantage plan, good for you. It will however take a while until they total a couple of hundred thousand dollars needed should you or your spouse become seriously ill. As one poster said, Advantage plans are for the healthy. You will not stay that way forever.

Originally Posted by villagetinker

And you may in for a real shock if you decide to (or try to) go back to Medicare......

Both these posts point out the possible need to switch to Medicare and a supplement down the road, (in my particular case).

I talked with a SHINE rep last month and he said that unless you have a cancer or another condition that will need medical attention, you will not be able to switch over at that time. The supplemental plan will deny you coverage. If you are still healthy or have recovered from that illness, you can switch to Medicare and a supplement, at any time. In other words, an insurance company is not going to cover someone that they will have to pay for, a known costly illness.

The question becomes, when to do it! Who's to say when one's health will start to fail them? Only GOD knows that answer.