Before you select a Medigap plan to supplement Medicare or a Medicare Advantage plan to replace Medicare, consider all the things you dislike about your current health insurance.
Things like co-pays, pre-certification, limited selection of health care providers and retrospective review of services received.
All those things are typically part of a Medicare Advantage plan. Make an informed decision and avoid being lured by the claims of no premium and extra benefits.
In other words, place what is important to you regarding health care ahead of anticipated monetary savings.
Your most important decision may be selecting a Part D prescription plan because the many variables include which medications you now or may take in the future.