My wife and I are on Medicare/Supplemental Plan F plus we each have part D drug plans. I had enjoyed very good health, but I was diagnosed with prostate cancer 2 1/2 years ago and had a prostatectomy. Medicare/plan F paid for everything. After 2 years PSA results started climbing and I’m now undergoing radiation therapy. No bills for it, so far. I figure my Supplemental Plan F cost of $175/mo is a pretty good deal, all in all.
What no one has mentioned so far is that each state is different when it comes to plans. In Missouri I can change plans not just in Oct/Dec but also in the month that I first enrolled in a plan without having pre-existing conditions applied against me—unlike if I switch now.
My mom 99 had an Advantage plan in SoCal, but she seemed to be very limited to doctors/hospitals, etc. Cal is big on HMOs but they are unknown here in SE MO. So I guess I’m saying a lot depends on where you live.
You make some very good points