Don't sign up for Medicare Advantage when you turn 65:

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10. Switching Medicare options after you are already on it can be done at the same time of year that other switches

and renewals happen, starting in November each year.

I agree completely about Medicare Advantage. Any Medigap insurance is not cheap but can cover what isn't covered under Part A and B. It's private supplemental insurance, but it doesn't drain the Medicare trust fund. Part D policies can help cover the cost of prescription drugs. Some supplemental policies are enough that you don't need a Part D policy.