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Voice of Reason
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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.
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.

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.
 

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I am planning on retiring sometime during 2020. I will be 67 when I retire. I have been researching Medicare supplement plans since the 2020 information is out there.

During 2019, I visited my doctor once and I take no medications. Consequently, I am thinking about a $0 premium Advantage plan from Blue Cross/Blue Shield. Yes, it has a higher deductible and maximum out of pocket rate than the other BC/BS Advantage Plans have, and the drugs cost slightly more, but I am willing to take the risk to save some money.

I look at it this way, I could sign up for the best BC/BS Advantage plan, but in premiums alone, it would cost me $2,300/year. I really doubt that I would spend anything near that if I was under the basic ($0/mo) plan. Yes, if something catastrophic occurred, I would end up having to pay a maximum out of pocket of $5,900 under the basic plan. But even the best plan has a $3400 maximum out of pocket.

I like an Advantage Plan because it not only covers medical costs, but also covers vision, hearing, dental and drug costs.

Is there a flaw in my thinking here? Am I missing something?
.................................................................You should enroll in Plan F , if it's till available ! It covers the 20% Medicare doesn't . You'll have to pay ~$150.00 for your supplemental policy , $XX.xx for a drug plan and a 3rd. fee which I can't remember ! Long haul you'll save money , because the $20% really adds UP over time when you need extensive care ! You maybe healthy now , but the upcoming years will not be kind ! , fordy
 
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