I worked for an Advantage plan for many years until I retired last year. I decided while working, that I would never have an advantage plan when I was eligible for medicare. Most of my colleagues agreed with me. The members that I worked with were frequently complaining that they were being nickel and dimed to death. They were usually confused as to what was covered and what was not; what their copay for each visit or procedure would be; and what doctors they could go to. I now have an AARP medicare supplement plan and although the monthly premiums are higher than they may be for and advantage plan.....I am very happy with my choice. Not everyone qualifies for the AARP plan however. You do have an initial enrollment period where you can automatically qualify, but after that if you have some health issues, you may not be accepted. So I felt that it was better to join during my initial enrollment period rather than wait...in case I developed some non -qualifying health issue. Work with an insurance agent to determine your eligibility.
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