@nohrt4me
Absolutely! Straight Medicare is not enough. When I retired at age 70, I consulted the billing specialists at my cancer center as well as the medical teaching hospital where I get a lot of my specialty services. For my particular situation, they advised against advantage plans and encouraged us to look at Medicare supplementary plans. What they told me at the time is that if you have a chronic or catastrophic illness, the supplemental policies are better because the advantage plans don’t always pay some of the specialty services.
I think you’re absolutely right that people need to investigate and see what is best for their particular circumstances. It could be for many people advantage plans will serve them well.