Although my ex-employee offered great incentive to switch to Medicare Advantage, I decided not to. Very glad since several of my doctors do not take it and I go very often. Therefore, since they take Medicare, you're required to pay upfront until they get paid by the Advantage plan and that quickly add up since I'm seeing someone every week. They do this because Advantage tries to deny the treatment or takes forever or asks for referrals for specialist. The US government is now suing many of the plans so unless you are very healthy, be very careful about signing up for an advantage plan.