[EPutnam1863]

We decided against Medicare Advantage because we moved around too much and did not want to have to be hassled each time we moved or snowbirded. We stayed with Medicare and BC/BS even though it is a bit expensive but we never paid a cent out of our pockets (except for the premiums of course) the past years in spite of several surgeries and hospitalizations so it is worth the peace of mind it gives us.

A year ago my husband was bugged by one insurance company who swore up and down that our supplemental policies through them would be one hundred less a month, so he did all the paperwork and signed releases of information and the whole works only to be rejected outright because he had a bypass a few years ago. As for myself, they refused to give my application any consideration until it was known for sure what my hip problem was.

I kept telling him, "why fix it if it ain't broken?"

To sum it up, my advice would be to go with Medicare and a supplemental because it will give you far more flexibility.