When I retired and researched the Medicare options, I decided to go with original Medicare “just in case I got a bad disease and wanted to go doctors or hospitals anywhere.” A year and a half later I got my bad disease, and though I pay more for my coverage than I would with an Advantage plan, I have never paid more than my annual Medicare deductible each year or had to worry about finding in network physicians. Surgeries, specialists, therapies- everything has been covered 100% with no copay. Needless to say, I feel like I made the right choice. It is one less worry while dealing with cancer and the many issues afterwards.