[Albrita]

I can tell you one thing for sure! The Medicare Advantage plans are great for people that are relatively healthy! I have some severe health issues! I chose to go with UHC Advantage when in Colorado and thought it was great, with doctors and specialists. Then had Cigna Advantage when I did two years in Texas and again no issues and recommended. However now in Florida the Advantage plans are more costly, have hidden co-pays, limited primary networks, and I even had one specialist call and cancel my appointment after it was set up! Seeing anybody quickly, primary included, has been a nightmare. I can only speak toward one Advantage plan but I went in and compared 5 different companies and found them on the front end, very similar. The one I chose is a 5 star rated so thought I knew what I was doing. So I'm not sure who all determines plans and networks and know that Medicare CMS oversees plans, but I'm not sure who to recommend because it's slim pickens out there for doctors in general once you decide. They have or are consolidated because of payment limitations. I think the state oversight and regulation has a lot to do with it also! Specialists do not want anything to do with pre-existing conditions! Then I found that these companies use retail price to determine the drug donut whole numbers! Not what insurance pays but retail and they are very different. I ran into it because of retail pricing on Advair HFA. I'm thinking original Medicare with a supplement if you can for the 20%, but remember you need part D also. The good news is you can make a change each year! The bad news is there is no guarantee you can get a supplement later on if you don't choose it on the front end. Find an independent insurance agent that wants to help you sort it out! For sure "good luck".