I just went through all this a little over a year ago for my wife. In the end, we opted to go with supplemental plan G.
With a supplemental, you can see any doctor that accepts Medicare anywhere in the country.
Well at her age she isn’t going anywhere.
Hubby and I also have Supplemental Plan G, through Mutual of Omaha. Sis and BIL have Supplemental Plan G through Blue Cross (or Shield). We’ve been happy with the coverage. Of course, in our 70s, we see the doctor more often than we used to. Ten years ago it probably wouldn’t have been worth it.
My friend who was always bragging about the low cost of her advantage plan fell and actually broke her neck. She couldn’t get permission for surgery, or even the hospital. She’s single and had to lie in bed at home for several weeks.
Advantage plans seem to have a lot of bells, whistles, and cutsie stuff, but when something becomes a big deal, you’r often SOL.