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<blockquote data-quote="JD8" data-source="post: 3184890" data-attributes="member: 24">It&#039;s a long 30 min rant but most seniors need to stay. away from Medicare Advantage.&nbsp; It&#039;s not medicare, you sign your medicare benefits away to an insurance carrier and they administrate your benefits as they see fit.&nbsp; Even worse is that to get back to original medicare you will be underwritten which in a lot of cases will cause seniors to be declined.&nbsp; By the time they figure out that Medicare Advantage sucks, they are sick.&nbsp; Highly recommend sticking with medicare part a and b with a good supplemental.&nbsp; Which should follow you anywhere medicare is accepted.Unfortunately, like you said, they don&#039;t tell you to sign up for part D or you will be penalized.&nbsp; To keep your costs down, go to the medicare website every year before renewal and put in your drug formulary (if you take a decent amount of meds) and it will give you the best/cheapest options, as these coverages can change every year.&nbsp; The website will break down your total estimated cost under each respective plan.Also, failure to sign up for part B doesn&#039;t always mean you will be penalized.&nbsp; For instance, if you can show you were under an employer&#039;s coverage or some ancillary coverage, it is waived.&nbsp; Generally it doesn&#039;t make sense to stay on traditional coverage vs medicare but some people do it.</blockquote>

[QUOTE="JD8, post: 3184890, member: 24"] It's a long 30 min rant but most seniors need to stay. away from Medicare Advantage. It's not medicare, you sign your medicare benefits away to an insurance carrier and they administrate your benefits as they see fit. Even worse is that to get back to original medicare you will be underwritten which in a lot of cases will cause seniors to be declined. By the time they figure out that Medicare Advantage sucks, they are sick. Highly recommend sticking with medicare part a and b with a good supplemental. Which should follow you anywhere medicare is accepted. Unfortunately, like you said, they don't tell you to sign up for part D or you will be penalized. To keep your costs down, go to the medicare website every year before renewal and put in your drug formulary (if you take a decent amount of meds) and it will give you the best/cheapest options, as these coverages can change every year. The website will break down your total estimated cost under each respective plan. Also, failure to sign up for part B doesn't always mean you will be penalized. For instance, if you can show you were under an employer's coverage or some ancillary coverage, it is waived. Generally it doesn't make sense to stay on traditional coverage vs medicare but some people do it. [/QUOTE]

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