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Old 04-13-19, 08:55 PM
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Originally Posted by irwin7638 View Post
I have never had any chronic medical conditions. I have chosen to have an annual checkup (covered by Medicare) every fall so if a condition is discovered it will be during the open enrollment period and I can choose the proper supplement plan to help with the coming year. If they change the coverage and procedure, I'll change my strategy.

The option of switching a supplement plan based on an annual checkup is state dependent. Seeing you are in Michigan I assume they allow this and the insurance company must take you. I know New York laws allow you to switch. But in North Carolina where I live, switching is not possible if your annual checkup showed any kind of serious medical condition(i.e. no insurance company will accept you). That is why I chose supplement plan G, which is the best plan at this point(Plan F is fading out in 2020 and those rates are going to go up as the number of Plan F folks gets smaller).

On the original question on Advantage plans, here is a link to a blog post from a person I trust, since I retired from IBM. I used his blog to make my decision.

ibm medicare options: IBM Medicare Via Benefits Extend Health Medicare Advantage Misery
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