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

[Desert grandma]

60. Original Medicare and a good plan G supplement are the best.

Folks need to research the medical supplement plans "rating systems". I found out that almost all supplement plans in our state, are "age attained rated". This means rates will increase every year on your birthday as well as for medical inflation costs in your region. At the time we joined Medicare, almost ALL supplement plans were this type. Only 2 plans were "age issued". Age issued plans DO NOT increase due to advancing age. They stay at the premium set when you got on the plan. They CAN increase but only because of medical inflation in your region. Medicare.gov will point out how the plans are rated, but one needs to look for that information. When we joined Medicare, Transamerica was one of only 2 companies that were rated "age issue". Our premiums have increased but I believe it was $135 when I turned 65, and it is now $179. That represents a $44 increase over 13 years. It can be very costly to return to original Medicare if you have have major health issues. Unless you have a union sponsored or a former employer sponsored supplement option, every private supplement plan can require an underwriting process before they will accept you. That unfortunately makes it very difficult for most people to stay or return to original Medicare. There are certain exceptions to this. If your Medicare Advantage plan is no longer available for purchase in your area, you are able to return to original Medicare and choose a supplement plan as if you were originally going on Medicare, and thus avoid underwriting. I am very pleased with our choice because we have no network restrictions and can go to other out of state facilities as long as they accept Medicare. It really is a confusing and complicated process.