Is Medicare Advantage Right For Me? 
Medicare Advantage -LRB- MA -RRB- are good plans if you are in good health and not using a lot of medical services . In Alabama where I practice MA Plans have high out of pocket cost for people with serious or chronic health problems , as much as $ 6700 in a calendar year . The problem I see with MA Plans is that people start out using them when they are in good health but once your health changes and you have to use your MA Plan more and more you become unhappy with your out of pocket cost for Medicare covered services . If you become unhappy with your MA Plan and want to switch to a Medicare Supplement you may not be able to if you have serious health problems or you may pay a much higher premium because of your health . My professional recommendation is to get a Medicare Supplement even if you are in good health because you need a Medicare Health Plan that not only meets your needs today but will continue to meet your needs as you get older and your health care needs change . If you wait until you need a Medicare Supplement because your health has changed you may not be able to . Insurance companies that offer Medicare Supplement Plans can and do turn down people that have serious pre-existing health conditions . 