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

[Nanjeanne]

11. I would think twice before getting an advantage plan. If the cost outweighs the

risks then of course get one. But we are very happy we chose a supplemental Plan N when we signed up. At the time, we were fairly healthy but wanted coverage in any state for doctors or hospitals where Medicare is accepted. And we wanted overseas coverage since we travel.

not long after, my husband was diagnosed with multiple myeloma and we were able to go to Dana Farber and see one of the top specialists in the country. He has been able to see any doctor and if we hadn't gotten the plan when we did, we would never be able to get it now. We have a dear friend who was very happy with her Advantage plan -- until she was just diagnosed with a brain tumor and could not see top doctors at Cornell or Columbia because they didn't take her plan. And while she is being treated in NY at Sinai, she doesn't have the flexibility to get second opinions at any doctor she wants or visit any hospital for clinical trials etc. the difference between our experience with a supplemental and her with Advantage plan is staggering. Yes we pay more. But for us it's really worth it. Unfortunately in this country-- you have to make the right choice before you get sick. Because you can't make it after. And that's why I hate the word "choice" that both Rs and Ds use when it comes to healthcare. All people really want is the choice to get well.