The DisAdvantage of Medicare Advantage Plans is they do NOT do what you need them to do. They make promises like (in some cases) $0 premium or very low cost per month. This is truly an example of "you get what you pay for". These plans promise big and deliver very little. Oh, you will love them when you are healthy, but let's face it...At some point in your life you will have a health issue and when you do you will HATE YOUR MEDICARE ADVANTAGE PLAN. Just when you need it to pay your REAL medical bills you will find that YOU ARE PAYING WAY TOO MUCH OUT OF YOUR OWN POCKET - up to thousands of dollars. It has been years since I have seen a good Medicare Advantage Plan. They sound good, but when you really need them because of a health issue you find out how bad they really are. And then it's too late. You may not be able to get a Standard Medicare Supplement that will actually pay your medical bills.
I write this to warn you. DO NOT BE FOOLED BY THE ADS FOR MEDICARE ADVANTAGE PLANS. They do not ever tell you the whole truth. And when you need them you will be terribly disappointed in the benefits you have. The plans are full of fluff without much substance. BUYER BEWARE! Learn the whole truth before you are charmed into taking one of these plans.
Your best choice is always a Standard Medicare Supplement. It will pay your Medical bills...just like it is supposed to do. No surprises. No problems.
Open Enrollment for Medicare Advantage Plans and Medicare Prescription Drug Plans is October 15 - December 7. You can make any necessary changes then and your effective date is January 1.
Please make sure you talk to an honest agent before making any changes.