Well, the way I look at it, why should I pay 6 extra months of premiums? That's $500 bucks with medigap plus part D.
That's just it. No matter what happens in the next six months, they're required to sell the policy at the base rate, with no underwriting. The only "gamble" is paying 20 percent of the doctor bills for the first month (before the medigap kicks in). As for if both of us are incapacitated, then we've got more to worry about than paying 20% of Part B for her (my ACA policy is unaffected).
Yes, I appreciate the warning. DW also was thinking the same thing. So for purposes of domestic tranquility, I've signed up "early" (that is, starting in May, when the birthday month was March and so March + six months would have been fine). The $7/mo part D won't break the bank, lol!
It took some planning and life style changes/sacrifice (long story) but I was really tired of paying 4+ times as much for the same basic medicare insurance everyone else gets. 
Anyway, the DW and I now have a Medicare Advantage plan that is subsidized by my past employer along with good drug coverage. I pay a little under $500 mo for both of us. We can use any doctor and facility that accepts Medicare assignments (never found any that don't) and we have a max OOP of 3k a yr. Probably some better deals but I'm happy with it.
