We have my wife on standard Medicare with a supplement plan and a Part D (prescription drugs) plan. The main reason is that she's a breast cancer patient and City of Hope isn't part of any network. When you first sign up for a supplement program, any supplement program has to take you regardless of your health or pre-existing conditions. But if you change plans along the way, the new supplement provider CAN take your current health into consideration when figuring your premiums, because a Supplement Plan is ALWAYS run by a health insurance company (Aetna, etc.).We went with a Medicare Supplement, PLAN G. It’s about $140-ish per month, each.
IMHO, plan G’s are the only way to go. You’re not buying them for today, but for down the road.
If you get a Medicare Advantage plan (Plan C), you may never be able to switch. And if your heath deteriorates, you will never be able to switch.
Those annual out of pocket costs will suck you dry.
You also need to know what your max out-of-pocket number is, and you should be aware of the "donut hole" with reference to prescription drugs. If you're on something like Ozempic or insulin, you can end up paying a lot out of pocket for a period late in the year.
You also need to note that with Medicare, you're always paying the Part B premium (currently $170) in addition to any Supplement premiums.
But please don't put out misinformation about Advantage plans.
Here in LA (and not necessarily anywhere else) there are a pot load of Advantage Plans. You can switch your Advantage Plan once a year to another Advantage Plan during the normal sign-up period. You can switch your Advantage Plan to a five-star Advantage Plan at any time. There's one five-star plan in LA and that's Kaiser.
Last year, SCAN (Advantage Plan) Classic covered the Medicare Part B premium and there were no premiums required for the plan itself. In short, no charge. Doctor visits were a zero co-pay, Part D drugs are part of the plan as well. It's an HMO (as are most Advantage Plans). Medicare, in general, is a PPO. You can go out of network on an HMO plan, but you'll pay for it. You can switch your Personal Care Physician once a month if you don't like him/her/it. In essence, aside from drug co-pays, I paid zero for healthcare (except for some modest drug co-pays) last year with SCAN. My wife paid Part B ($170), Supplement ($155) and about $20 a month for Part D. Her co-pay for drugs runs about $2 a month.
If you're on Social Security, you can have them pay your Part B automatically for you, but you're still paying.