re: Dr Oz is an advocate

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I see that part B is 185.00 a month in 26’ What’s the cost for part D ? If I chose to not got w Advantage . TIA.

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It varies by zip code. My mother will pay $120 month next year. It's worth it to her, she has prescriptions that would otherwise cost much more than that. She is 92. I am 59, so it will be a few years before I have to make these choices.

There are two other plans, one was $14 a month, the other about $75. You can usually find the costs on a provider's website, also you can find the cost of Medigap.

If you have an HSA, you can pay for Part B and Part D out of the HSA without paying taxes on that money.

The largest single concern in all of this about Medicare Advantage is that if you start out with Advantage at age 65 but later decide you want traditional Medicare, you either won't be able to get Medigap or it will be very expensive. There is a guaranteed issue window when you turn 65, but after that the insurance companies get to decide.