Any advice on choosing between Medicare Supplemental plans vs Medicare Advantage?

[SharonClark]

6. I just signed up for my supplemental last week.

What worked for me: I went to a "Welcome to Medicare" seminar, met with a volunteer counselor (from the state seniors program), read all the material, and talked to a few friends whose opinions I value (two are 'senior' counselors) as to why they selected the plans they did. The independent agent I used has 30 years experience and specializes in Medicare supplemental insurance plans. He had helpful comparison charts and recommended the same drug plan I was leaning toward. I ended up with a supplemental plan with a company I had not considered before. I did not purchase vision or dental insurance because they were not cost effective.

When I told the insurance agent that I was relieved to make the decision, he replied that everyone says that to him.

My recommendation is 1) check if your state has a 'senior' program, 2) read the material offered, and 3) find a experienced independent agent.

I did not select Medicare Advantage because of the HMO-like restrictions and I travel often.

Hope this helps.