This response is not considered a recommendation of either supplemental or advantage plans. However, I want to inform you of an issue that I became aware of this year. I just turned 65, and was also anxiety ridden over choices. During my research I discovered the first year of Medicare (your 65th year) you are in a period by which you may change plans during the year for any reason; therefore, you are not required to wait until open enrollment. One agent was unaware of this and verified its validity(Florida Blue). Of course, this is only applicable your first year of Medicare. I realize this may not apply to many of you, but those who are not 65 yet should be aware of this.
For that reason, and the fact that I am in good health, I chose an advantage plan. However, if 'trouble' begins this first year, I will change immediately to a supplemental. Again, this choice is only available your first year. At the close of my first year, I will make decision of continuing my advantage plan. Just a few more mind-boggling words about this very complex decision.
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