There is a world of difference of having medicare alone vs having a policy in addition to it. It could be an Advantage plan or a Supplemental plan.
Here is the rub. If you have an Advantage plan, you are limited to the Doctors and facilities that your plan allows. So the most important aspect to check is if your Doctors are on the plan or not. You say your healthy so you may just have an internist. If he's accepted by the plan your ahead of the game. Most Advantage plans are absolutely free. Although you may have to pay for dental and vision. Besides covering you for hospitalization and medical it also includes a free drug plan.
Therefore a relatively healthy person should probably choose an Advantage plan because it covers a lot more than Medicare alone covers just in case. If your healthy and never see a Doctor you have piece of mind if something went wrong you would not be out a lot of money.
Remember you can change plans every year.
Lastly, most plans show you side by side the differences between having just Medicare vs. having their Advantage plan.
Good Luck!
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