Lots of good thoughts on both HMO's and PPO's. I can see everyone is doing their homework. I am type II diabetic. These advantage plans only guarantee they'll be with your for one year at a time. My biggest fear is even if I am happy with the advantage plan of choice for next year, what will happen if I am forced to go back to a regular medicare supplement and Part D for drugs? I know when you first go on Medicare at 65 they can't deny or uprate you for pre-existing conditions but I do believe if you try to get it back at a later date that they CAN. I'd have to be assured that this would not happen. As far as HMO or PPO, my current doctors are in the PPO network but not the HMO. That would be enough to sway me toward the PPO. Good luck to all of you on your choices and thanks for your input.
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