Plan F for supplemental insurance is no longer offered. If you have it, don't change. There are Advantage plans that are PPO (you can pick your doctor), not part of an HMO. However, some doctors don't take those plans. Add in costs of dental and eye care if they are not covered by supplemental. Some Advantage plans include some (limited) benefits. You must have drug coverage even if you don't use it or there is a penalty to pick up later. SHINE should be able to help. Also, set up an online account at Medicare.gov for lots of information on plans and Medicare in general. Do the same for Social Security because there are lots of questions answered there.
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