sctman800

   In stead of adding to the thread figured I would just do it this way.  I just turned 78 so have been on Medicare for a while so this is how I do things and I am happy with things.  Of course others may like something different and that works for them.

   I and my wife have traditional Medicare with a supplement, part "G" is what we settled on.  Part "G" pays everything the same as "B" except you must pay the yearly deductible which for this coming year is $250.00 if memory serves correctly.  By going this way the monthly premiums are less so we pay less over the year.

  I do not want and will not have the "C" or "Advantage" plan, it sounds good but your choice of doctors must be in their network and they require co-pays, referrals and prior authorization. Also their network of providers can change any time.  For some people that works, good friends have that and like it so....

   Aside from my monthly premiums an yearly deductible I have paid "$0.00" in doctor or hospital fees.  I have had an appendectomy where the initial hospital nearly killed me, was taken to another hospital 30 miles in ambulance for a total ordeal of nine days.  Tripple hernia, hand surgery and all my regular doctor visits, X-rays and tests.  You just need to make sure the doctor and hospital accept Medicare and if the procedure is covered by Medicare.  If that is done your supplement insurance is required by law to pay what Medicare does not.  Good luck, Jim.