Consider this option carefully and make sure you are not spending more to get a free choice of doctors when you may already have it in original Medicare. This option will be offered to only about 1 percent of Medicare beneficiaries on an experimental basis. Medicare pays the premiums for this policy and deposits the dollar-amount difference between what it pays for the average beneficiary in your area and the cost of your premium and deposits it into your Medical Savings Account. You use the MSA money to pay your medical expenses until your high deductible is reached. If the MSA money runs out, you have to pay out of your pocket until you reach the deductible.
Any unused funds roll over to the next year.
It's a risk. It's up to you to get objective, accurate information before making a decision to stay with your current coverage or change to another option. If you do switch and are unhappy with the new plan, you may return to original Medicare and re-obtain Medigap coverage within 12 months. But after that there are no guarantees. Study all your options carefully.