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Originally Posted by BrianL99
No they don't "differ by a lot". They all have the exact same premise. The Insured doesn't get to control their medical services, the Insurer does and they're a profit making entity.
Advantage Plans are cheaper & give away "freebies" as you mentioned.
The fact that SHINE said "they're a very good solution for you, doesn't make them better or even equal to Medicare + a Supplemental. It means that in your particular financial/health position, it's a good option.
They're a cost based solution, for folks trying to save money. There's nothing else anyone needs to know about them.
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Most likely when you disclose to Shine your employer is paying for your supplement as part of your retirement package they will probably recommend medicare plus a supplement.