@cmbaczenski Hi, I'm no expert, but I live on Martha's Vineyard and was told by a friend who had worked in Boston medical feild all her life, when I was about to sign up for medicare, NOT to get advantage! I trusted her advice, I'm now 69.
I have traditional medicare and Blue Cross Medix (part C) Blue Cross (Part D)
I have no complaints at all, it seemed a bit pricy at first, but I never have had to pay out of pocket for anything yet (except hearingaids)

@cmbaczenski Its not impossible to switch, but will require a physical exam, and can be turned down. Insurance counts on the healthy younger ones not using it while paying in. In other words, you shouldn't wait until you get sick to switch. Traditional Medicare, when selected at start of eligibility, cannot turn you down or charge a higher premium because of existing health status. You can seek out information at local Office of Ageing in US. Traditional Medicare requires a Supplemental plan which can cost a few hundred dollars per mo., but well worth it if you can budget for it. Currently, Plan G is the best (I believe). You should research it. We have plan F but it is no longer available. Plan G has small deductible, but premium is less than F.