The Medicare is confusing. This is on purpose.
Talk to an insurance specialist.
Ask lots of questions.
I got a part G plan, called medigap..covers everything that traditional part a and b does not..
No restrictions...
Low deductible...
But part C plans pay high commission to the insurance specialist, whereas a part G plan doesn’t.
The fed wants to drive people into part C plans.
You have this wrong.
Part C is Medicare Advantage. It paid LOWER commissions to insurance agents for many years. And so horror stories evolved about Advantage vs the higher commissioned Supplement plans like G.
Now, commissions are largely the same. Advantage plans with their $0 premiums and imposed copays are catching up.
About 40% of new enrollees are now Advantage and it is growing.