I wouldn't touch an Advantage or PPO plan with a 10 ft. pole. My dh is on medicare for 7 years now & I will be going on it in less than 2 years.
You never know what's going to change in your life. You may not plan to move but that's not written in stone. Let's say your daughter or son or grand got something tragic & you needed to go take care of them or their family until they recovered or whatever. Catch my drift?
We pay for a supplement for my dh. He can go anywhere he wants, no referrals needed & no worries about if a given doc is treating him in the hospital & whether that doc is allowed "in the plan". He hasn't been in the hospital yet thank goodness but in these 7 years, he's not had to pay a cent out of pocket for doctor visits & OP procedures.
You should seriously think about getting prescription drug coverage - I think that's Part D.
That's my 2 cents worth.
