There are 3 types of advantage plans: HMO-Health Maintenance Organization which is the cheapest but has the least options on doctors. PPO-Preferred Provider Org which gives you more options on doctors but you will have more out of pocket costs. PFFS-Private Fee For Service which is the highest cost but allows you to make direct deals with any doctor or hospital.
Go to the SS website and fill in some blanks there and they will give you a list of all the advantage plans from all the different insurance companies that are available in your area and they will note which companies have bad references.
In Florida you probably will have lots of options. I live rural and there are only 2 companies that offer HMOs here.
Whatever you do, you can change it during a future enrollment period.
Thread’s on Page 4, time to go...
Thanks to everyone for your insights and opinions.
For me I guess the bottom line is my regular Medicare takes effect next Thurs, Feb 1, and from there I have 3 months to investigate and decide best course for me, so I’m not really out of time like I thought.
Aloha and Good Day,
zig