Get Medicare! No to Medicare Advantage. It's perfume-covered doo-doo that'll bankrupt or kill you.

[Desert grandma]

12. I totally agree with you!

My husband and I have original Medicare and a supplement (TransAmerica). We have had this since we have been on Medicare, 9 years for me, 11 years for him. We can go to ANY DOCTOR OR HOSPITAL THAT TAKES MEDICARE! Most do. We are not locked into any "networks". Our supplement has increased perhaps by $10 a month since we originally got it. It pays for everything that Medicare does not pay for except the part B deductible. We also have part D with Wellcare. The co pays are $0 for tiers 1 and 2 which are generic drugs. I have not needed to take much else, and that premium is under $9 per month. What insurance people do not tell you is that if you want to get off of MA and go back to original Medicare, you can, HOWEVER, you must go through underwriting to get on a medicare supplement plan. Companies that offer those plans can reject people or make them pay higher costs. This forces many sick people to stay on their Medicare Advantage plan. My mom (95 years old) has original medicare and her federal health insurance as a supplement. That pays for all the 20 % portion that Medicare does not pay as well as for her medications. We keep getting calls to switch to Advantage plans also. I wish they would quit calling us.