Medicare Insurance Advisor

[SheltieLover]

3. Do be aware of 1% per month premium penalty if you do not take part D for drugs when eligible.

Also "Advantage" plans are PPOs. You cannot use a doctor not in their network, at least for maximum coverage.

I've also read that if a person chooses Advantage, then wants to go to regular Medicare, the person must pass an underwriting physical.

This time of year, we are all innundated with "Medicare has free groceries for you" type ads. Those are the Advantage plans. No thanks. Lol

There are a few people here on DU who love their Advantage plan but, for the most part, when people have a hospitalization or require a pricey procedure, they generally find out there is far from an advantage to the private insurance company (Advantage) plans. 😉

Do be aware that any commercial consultant you might opt to meet with is likely not unbiased.

Council on Aging is completely unbiased.

Good luck!