Medicare from CMS is Medicare. Advantages Plans (while using MEdicare in their names) IS NOT Medicare. As They say there is no free lunch and this is one of those situation. By opting into an "Advantage Plan" (note I did not use the term Medicare), you are essentially allowing a third party, for profit insurance company to "buy" your health coverage responsibilities from CMS.....and thus Medicare rules do not apply. While advantage plans may look attractive (free this, free than, money back, Joe Nemeth driving you to Bingo....etc), all the "non-essential" non-medical "stuff" comes at a cost...and really has no impact on your real health care. Limited provider access, more aggressive cost management, geographic restrictions and more. As I said "no free lunch". If you are healthy (though not guaranteed as you age), require minimal care and are willing to "risk your life" with for-profit coverage, the "Go Advantage"..... you better be banking the "savings" as you will need the money later to cover all the stuff they wont. Advantage plans play on your emotions and not logical, long term assessment. Advantage plans can (and do) change the rules year to year...even up the point of cancelling you. REAL Medicare (while not perfect) is the gold standard for choice of providers, choice of locations, accessibility to care at Centers of Excellence (like Mayo, Cleveland, Johns-Hopkins, etc.). Core reason many providers don't take "advantage plans" is payment and process. Advantage plans are a nightmare for providers....too many burdens placed on the provider to gain approvals and get paid... ALso Advantage plans try to tell providers how to do their job. Do you want some "clerk" behind a screen, reading script telling your provider (think a physician at Mayo) how to do (or not do) their job? I could go on for pages but as a business owner who for decades dealt with the insurance needs of my employees, my months long analysis for my own post retirement needs pointed to conventional CMS Medicare hands down. I commend Mayo and other providers for refusing to lower their ability to provide the best medical care in order to get into the "advantange plan (not Medicare)" business..... End of rant..... YMMV....