I think "healthy" is the key word! Keep in mind that at our age that can change overnight! I went from taking no meds at age 60 to 4 meds upon being diagnosed with type 2 diabetes! Maybe as a result of the diabetes (although I have always watched my diet and kept it under control) I have been diagnosed with a couple if other things that require doctor visits every few months. With everything under control I decided to look into a Medicare Advantage plan last year. I went to three different presentations and no one could answer my question, "if it doesn't work well for me and I need to change back to Medicare plus a supplement, will I be penalized for a pre-existing condition?" I can't afford to make that change not knowing if I would have to pay more if I needed to switch back. I finally asked one of my doctors about it and was told, "No, you don't want to do that!" I decided not to do it last year and am still undecided if it is for me. Keep in mind also that doctors can go off and on the provider list at will so you need to be flexible about changing doctors should this happen. I kind of like to stick with the same doctor. All this being said I think the Medicare Advantage plans work well for a relatively healthy person.
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