[cybrgeezer]

This is slightly off the subject, but since someone opened the Medicare bag, here goes:

I am just about to turn 65 (in November) and will lose my employer's insurance Jan. 1 due to hours reduction, so I am looking at various Medicare plans.

I am sure many of you have studied this and can give me an answer to this question -- if you considered a Medicare Advantage plan with little or no premium and an included Part D and decided to go with a regular supplement+D, how did you make that decision?

The advantage plan I'm looking at has a $0 premium and all my doctors plus several local hospitals accept it. What would convince me to go with a regular supplement plan?

Again, I am sure you (some of you, at least) have faced this and come to the decision best for you. I'd really like some input.

As for personal information that matters here, I am single and taking several medications, so a Part D (included or separate) is important. My overall health is good and I have not been an inpatient in a hospital since 1986. I am active in cycling and other activities and have used emergency rooms several times, the most recent 10 years ago. Any of this factor in?

Thanks for any help.