The sooner you get started, the better. Do lots of research into everything. Make spreadsheets to compare different plans. Talk to friends. Remember that insurance agents have their own interests ahead of yours.
I ended up going with a Medicare Part G supplement. My wife has a Medicare Advantage plan and has had no problems with it so far.
Thanks. I am dreading the research- it’s so confusing. I don’t really have any peers to ask and have no idea where to find someone knowledgeable and reliable who isn’t a sales person. I just wish they’d give us the $ instead in something like the form of an HSA type card so I could continue to do WTF I want, when and where I want. I don’t even know if I’m on my husband’s plan if I still have to apply yet or not!! This is a PIA