@vic83 I fully agree that there are disadvantages to to an advantage plan. Yes I have Medicare because of a medical condition (quadriplegia) since 2012. In the beginning no one under 65 could get any sort of medigap policy. A few years ago they changed the law requiring companies to offer medigap policies, but they didn’t go far enough in specifying the types or costs. I have lived in Virginia and Maryland. Both states only offer plan A, which is the most basic plan. Every year I do my due diligence and get a price quote from the few companies that offer it. My quotes this year, similar to those in the past, were in the $2000-2500 / month range. So I am much better off with an advantage plan.

John’s Hopkins offers a variety of advantage plans, so every doc at Hopkins is in network. I feel my needs are being met without going out of network as of now.

I do worry that when I turn 65 there will be an increase in my medigap premium since I didn’t enroll immediately. But I don’t let it turn into anxiety or overly worry about it as there is nothing I can do except write my representatives in congress which I do every few years. One year I actually got a response from mark warner (Virginia senator) himself, not just one of his subordinates, as i usually get.