I agree it's very confusing but worth spending the time to make the right decision for yourself. I am an RN and have been working in the healthcare system and observing the quality of healthcare services all my life. I also recommend speaking to SHINE. I also did when deciding on a plan when I reached 65. The safest and most comprehensive coverage you can get is with traditional Medicare. There are thousand's of scenarios with different healthcare consequences and everybody has their story. My opinion, after seeing many many many scenarios was that I would never ever choose an Advantage Plan over traditional Medicare. Ask SHINE and also ask anyone else that has been in the healthcare system. I tell people as long as you're healthy and don't really need your insurance, the Advantage plans seem fine but when you start getting health problems your level of care WILL BE DIFFERENT! Trust me, I know whereof I speak! And it's very difficult to switch back to Medicare after you develope problems, they can not accept you or change a higher premium. Ask SHINE.
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