I'm approaching 69 and still working and on employer insurance. Plan was to work to 70. Sometimes I think I'll go longer for the money and sometimes I think I'll quit earlier to have the extra free time. Sometimes I think I will delay retirement forever so I don't have to decide about medicare, but figuring this out is essential to figuring out what retiring is going to look like financially.
- Doctors consistently regard traditional medicare as better than medicare advantage because there is no insurance company involved, and I lean towards traditional medicare on that basis, also because the scammy medicare advantage ads disgust me.
- I thought you have two choices: A + B, then get a supplement to help with copays (and drugs???), or you have medicare advantage which I thought replaces part B and part D. But my SIL tells me she has Part B and a medicare advantage plan. My brother got medicare advantage instead of part B when he reached 65 (he was already retired on disability) and says he's going back to part B. I searched whether you can have part B and medicare advantage and the info that I found seemed very conflicting. My SIL says just ask an insurance broker but I am the kind of person that wants to know myself what's up. So which is it: B *or* Medicare advantage, or is there such a thing as B + medicare advantage?
- Can you switch back and forth every year or are you limited how many times you can switch?
- Why do we have a system that is so damned complicated?
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