My county in Mn. stopped accepting advantage Plans for2027. I had to get regular Medicare. Thankfully, my docs and drugs will be carried over.

In Arizona, it's always a crap shoot as to what Advantage plans the specialists and hospitals will and won't take. That's why I'm happily in Medicare B plus a supplement plan. This way I never have to worry. Yes...the premium is higher up front, but I worked out last year that over the long haul, I actually came out ahead.

I didn’t know Lou had a medical background. How handy!

We also chose original Medicare with a supplemental plan. Lou chose BCBS and I chose UHC through AARP as our Medigap plans. Lou's Medicare Part D is also BCBS and I started out with Wellcare, but they discontinued one of my PAH drugs so I had to go on SilverScripts because they were the only Part D plan in NM that covered Adempas and Opsumit. Lou is a retired cardiologist, so he knew better than to go on an Advantage plan because of all the hassles with prior auths in his practice.

My sister first went on Medicare a while back and found out that if you had chronic conditions it might be the best to stay with regular Medicare and Medigap supplemental plan, so when I went on medicare I stayed with original and the Medigap supplement, mine is BCBS of Illinois. The advantage plans were offering a lot of extras but would drop coverage on people or change prices more often. Everything also had to be in their chosen network along with their prior approval requirements. They tend to deny things more often and if you decided to go back from an advantage plan to regular Medicare plus a Medigap plan, the supplement does not have to accept you or can charge you more. Since I had so many specialists and chronic conditions original Medicare plus a Medigap plan has worked the best for me.