This April I turn 65 I plan on sticking with Medicare Part A and B and having a medigap G to cover what Medicare does not. Bonus my G plan costs 114.00 but also covers a gym membership that would cost me about 80.00 a month out of pocket and it won't cost me a dime! Time to get in shape!!! I'm not taking any chances with the advantage plans. Also some hospitals/drs etc accept medicare assignment meaning they write off the balance, even if you don't have a supplement. I remember my parents never paying out of pocket for anything when they had Medicare and they never had a supplement. I'm done with private insurance!