I highly recommend that if you're new to Medicare, you use a Medicare Consultant for help. They are paid by the insurance companies, no cost to you. They make the same $ no matter what coverage you choose so they have no motive to push one company over the other. He/she can collect your information for which docs and hospitals you want, plug it into computer programs, and it can spit out a comparison. The same is true for Part D Plans. The consultant can plug in your location, your drugs, where or how you want to obtain them, and the program will spit out the information. We see our consultant every year at open enrollment time.
We both have medical issues so carry the United Healthcare Plan F supplement. It's expensive but covers everything, we can go to any hospital or doctor anywhere.
My husband had an Advantage Plan the first year. It was awful. We didn't realize he had no coverage if we traveled out of the area. Also had a very small network.
Find yourself a good Medicare consultant in your area.
Karen
