General Discussion
In reply to the discussion: medicare etc [View all]Hoyt
(54,770 posts)You usually have choice of more doctors and hospitals, etc. You may also need a drug plan.
If money is tight, you might save a bit going to an Advantage Plan, especially if the insured is in relatively good health. But, there is a gamble with that.
You are not stuck in a plan forever if you want to change. But depending on what you do, there may be penalties. Plus, you need to change at certain times of the year. You really need to research the instances where you can change Advantage Plans and consequences of leaving an Advantage Plan and enrolling in traditional Medicare (and getting a supplement). It can be complicated, and you don't want to make a mistake.
If it person gets down to the time to go on Medicare and you still haven't decided what to do, I'd go traditional Medicare, supplement and drug plan. Good luck.