Originally Posted by gunner1
In the near future I will have to decide my Health Insurance Plans. I am looking for guidance for choosing between Advantage and Supplemental Plans. Does anyone have any input. I having difficulty justifying the costs for the Supplemental Insurance.
here's a similar thread Bogleheads • View topic - Medicare Health Supplement question
As you would expect, there are some benefits for the added costs for the suppement If there weren't, no one would purchase them. Whether they are important enough for you is what will sway your decision........and as is typical in these type of decisions, you may not have all the info you need to know if you made the right decision for many years, if ever.
Some questions to ask: can you live with the doctors in the Advantage network? can you live with the doctors in the Advantage network if they change in the future? can you live with having a gateway PCP physician who controls your access to specialists? If you got a rare disease and needed a specialist not in your network, could you live with that?
Do the doctors take Medicare.
These are the usual questions of HMO vs less restrictive networks.
Not an easy decision because of the uncertainties......from the referenced thread, one thing to learn is that it seems to be easier to change from Supplement to Advantage so one possible path is to go supplement first and seek further info/knowledge/experience from others in the future.