Here is the issue with Medicare Advantage - IF you are healthy and never become unhappy with being on MA then you are fine - BUT if you find MA to be less than satisfying and you move to Medicare B/D you will find that getting co-insurance (Medigap) isn't a slam dunk - you then aren't automatically coverable - you have to be vetted and that vetting is based upon your then current health. So if you start on MA at 65 and are healthy you're in great shape - but if your health declines and your MA provider doesn't want to support your medical needs then you can switch to B&D, but best of luck getting co-pay coverage.?
