Just want to reiterate that almost 50% of those 65 and older- 48% in 2022- are enrolled in Medicare Advantage plans, a proportion not reflected in this thread. Many are PPO's that allow you to see providers in different systems, and many are managed HMO's. There is a variety of combinations of premium and co-pays. I am very happy with mine and feel this thread may dissuade others from doing an Advantage plan. In our state, hospitals and senior centers have financial counselors who can help with this decision. I consulted 4!
https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2022-enrollment-update-and-key-trends/