[Wiser now]

Advantage plans always require a co-pay. Then they can decide what NOT to cover, whenever they want. Medigold has notified patients it will no longer cover MRI’s, meaning the patient must cover the full cost of a common but expensive test.
Part B’s cost is income based. Locked into a network means you are not covered if you travel. That totally rules that out for us; our youngest grandkids are 1000 miles away.

[hanamizu]

Part B’s cost is income based. Locked into a network means you are not covered if you travel. That totally rules that out for us; our youngest grandkids are 1000 miles away.

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Part B costs are income based, but a couple’s income is over $200,000 before you pay more than the base.

We don’t have Advantage plans or HMOs where I live. I don’t believe that my Plan F requires providers to be ‘in network’. Ask your insurance guy to find out if you are limited to network providers. HTH