I ended up with Medicare parts a & b after my pancreas transplant in 2005 when I was 48 years old. As I neared age 65 my husband and I put a lot of time in researching Medicare. We found out it was better to get Medicare piece meal (parts A - D) because of the transplant than one of the Advantage plans. We purchased a supplement and a part D drug coverage plan. We recently went to a Medicare Seminar and were told that we did the right thing. Hope so. There is nothing worse to deal with than insurance and taxes!