I've had to sign up this year and Medicare plus a supplement is cheaper than what was being paid for my coverage through DH's policy. I've also had the opportunity to 'break it in' with my ankle fracture a couple of months ago. Multiple appointments, casting & splints, xrays, surgery, physical therapy later.... they said my deductible for the year was $233 and that really is what it is. I had been thinking of signing up for an Advantage plan, but experience is now telling me that I chose well with standard Medicare and the supplement. Despite the name, Advantage really doesn't seem to have any advantages.