Quote:
Originally Posted by bob47
We were advised that as a rule of thumb, if you have or expect significant medical issues, you are better off with a Medicare supplemental plan. If you have few medical issues, you may save money with an advantage plan. I believe this to be true.
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In my experience this is true. My doctor and I discussed the relative advantages of Medicare Advantage vs. Medicare with a supplement, and he convinced me that since I am very healthy, an Advantage plan is best for me, as it costs me nothing (other than the basic Medicare premium paid by everyone on Medicare), and it includes many benefits not provided by standard Medicare (some dental, some vision, pays full cost of my gym membership, etc.) However, Medicare Advantage is restrictive, and to get full benefits you must stay within the program network, which means you can't go to any provider you want. If you think you might need specialty care outside the network, you should probably avoid Medicare Advantage.