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
Yes, it is an enormous PITA. The reason I decided on the Part G supplement was that I could always change to an Advantage plan later, but it’s not always possible to do the reverse, as another poster commented earlier.
You might be able to talk to someone at Medicare, too, not just insurance agents. Good luck.
“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.”
A supplement plan is the closest thing there is to that. You can go to any doctor who takes Medicare (98% of them according to Medicare) and no referral is needed to see a specialist.
Talk to a SHIP (State Health Insurance Program) representative from your state.