@jimhd As I approached Medicare age, I went to an ombudsman in the Area Agency on Aging in the county where I was living. My situation was a bit different, as I knew I was moving the same month as turning 65, to another county. We researched based on new county, and was advised to consider a secondary coverage that would allow me to choose my own drs. Coming from an HMO coverage, I went to a PPO plan with United Healthcare, as offered through AARP, and have been very happy with them. Dues to health issues I went with a Plan F, and am so glad I did, as my health has declined. I went with Humana for my prescription plan, and again have been very pleased. ** I am not employed by either of them, and receive no compensation from them for telling you this. Do your homework, make informed decisions. When I moved to another state two months ago, I was able to bring all my coverage with me.