[Michael 61]

Traditional Medicare vs Medicare advantage is a MAJOR decision when one turns 65. I’m still a few years away from 65, but doing my research now. I think the mistake many make is that they look at their current health at 65 and make a decision based on how healthy they are currently. It’s important to look into the future, and consider what your health costs could be, as well as access to specialists, under each program should you need extensive health care, hospitalization, surgeries, rehab, etc. There is no “one size fits all” here. But it’s important to remember it can be very difficult, if not impossible, to switch from advantage to traditional Medicare when you are in your 70s or 80s if you have been diagnosed with serious health issues.