Voice of Reason
What you can get from a Medicare Advantage plan varies widely based on where you live. The more competition for medical care in your area, the better of a deal they can offer you. In general, better benefits are available in Urban areas and retirement Meccas (central Florida, for example). Remote rural areas are the most expensive.At least with BC/BS, you can only enroll in a supplement plan when you first get Medicare. If you first take an Advantage plan, you have lost your ability to enroll in a supplement plan in the future.
To me, the supplement plans appear to be more expensive ($200 to 350/mo), they do not cover drugs, nor do they pay for things like dental or vision visits....just medical.
All I pay is the Medicare Part B premium and small copays. There is no copay for doctor visits, specialist visits, outpatient surgery, or even hospital stays. There is no copay for labs but a $5 copay for x-rays. Urgent care clinic is $10 and hospital ER is $70. I have no deductible and annual maximum out of pocket is $1000. Prescription drug coverage is included and I get a $1000/year dental allowance.
Supplemental is not available to Medicare Advantage subscribers, but copays are usually low enough that it's not necessary.