For those who don’t know, Medicare Advantage plans pretty much replace Medicare parts A & B and any Medical Supplement plans. They are very popular because many/most of them cost you nothing out of pocket. And they offer benefits that regular Medicare does not such as dental coverage, etc.
But if you are enrolled, you are pretty much at the mercy of the insurance company that issues them. Trips to specialists must be approved. You are confined to using certain doctors, etc.
Our plan is quite generous. Yes, our advantage plan is an HMO, but we don’t have to get approval to see a specialist, and all the doctors we have ever wanted to visit are on our plan. We are extremely satisfied with it and have had this plan for 4 or 5 years. It does include dental, but we have our own dental insurance apart from that, because I’m not keen on any of the dentists on the plan’s list. Eyeglasses and hearing aids are covered, or at least most of the cost. Our plan seems to get better every year.
If you go to the government Medicare website, they have customer ratings for the Advantage plans in your area.