I’m not an expert on any of this. But your story shows why 65+ people need to think hard before going with a Medicare “Advantage” plan. These Advantage plans are advertised all over TV. And they are cheaper than traditional Medicare supplement plans.
But know that when you choose an Advantage plan, you are turning everything over to an insurance company. This might make good sense if you have limited funds and you’re in good health. Otherwise, better do lots of research first.
Is that choice permanent? Or after a few years can you drop an advantage and return to a supplemental plus Medicare?