Mr sneakers and I were fully expecting to get on an Advantage Plan upon retirement. However, as were approaching retirement, we started doing our research. OMG, there is so much misinformation out there! We decided to stay on original Medicare and add a supplement. We both chose supplement Plan N. It has all of the same benefits as Plan F or Plan G. The only difference is that Plan N does not cover excess charges - which are outlawed in Pennsylvania where we live, and there are co-pays for doctor visits ($20 or less) and a $50 copay if you go to the emergency room and are not admitted. We live in a zip code in Western Pa where the monthly premiums are low. I pay $76 a month and my husband pays $82 a month. Also, the plan N premiums go up more slowly every year. I do understand that, in other parts of the country, the monthly premiums can be a lot higher. In the end, we are both very happy with our choice. Plans F G and N are all good plans and cover the same things.
Thank you for sharing this
looks like ya’ll did your research and made some smart choices!