Almost all doctors accept Medicare, but it is always wise to ask before making an appoinment. Medicare will always be you primary carrier, with you work insurance plan being secondary.
I would look to see what your work insurance covers, before you even think of taking a lesser plan. Your HR rep should be able to assist you.
Medicare Advantage plans have certain doctors that are not in their plan, and that's why some people have a harder time, finding the right doctor. With medicare, you shouldn't have this problem.
It doesn't sound like you will paying any substantial medical fees with Medicare and your work insurance. I would take medicare at 65, and not delay getting it, because of the penalty fees.
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"It doesn't cost "nuttin", to be nice".  MOM
I just want to do the right thing! Uncle Joe, (my hero).
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