“In a normal year... you will keep more money in your pocket with an Advantage plan; but in a bad year... especially a catastrophically bad year... you will like the way a Medigap Supplement works.”

"There are different KINDS of Advantage plans, some have flexible access to care providers, but most have restrictions for accessing care providers.  The Advantage plan trade off is "accessing more care providers" (with a large PPO network) versus "keeping the most money in your pocket in a normal year" (typically with a restrictive HMO plan).

“It comes down to how you like to manage money and risk.” 

All of these comments are copywritten circa 2023 by K.W. Goff cltc ltcp