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Originally Posted by Michael 61
Not 65 yet, but doing the homework now - when that time comes I think Original Medicare + Supplement will be the way to go. I’m healthy now, but who knows what the future holds - need to plan long-term. Don’t want my health “managed” by a medical insurance claims adjuster.
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I’m in the same boat you, turning 65 soon. I have a habit of researching the hell out of things I deem important, and making the correct Medicare decisions was high on my list. I have recently read two updated books from highly regarded sources on making the best Medicare decisions and have also concluded that selecting original Medicare with a supplemental Medigap plan is the best way to go. I’m planning on getting a Part G Supplement plan and a Part D prescription plan. Unfortunately, I’ll be out of pocket for dental, vision, and hearing unless original Medicare is someday revised to include those. There is no way I want to go with an Advantage plan and be constrained by a limited network of providers, be out of network when at one of our two homes, have to get referrals to see a specialist, and deal with deductible and co-pays every time I go to the doctors. For me, the decision is a no brainer.