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Medicare Newbie

Bogleheads • View forum - Personal Finance (Not Investing) -
I will be at the medicare age soon and have some questions.

What parts do I sign up for?

Do I get a Medigap policy or an Advantage policy?

I was reading that Advantage includes certain medicare parts. Do I still have to sign up for those parts with Medicare?

Also part D drugs-if you don't sign up,you get penalized on a sliding scale if you sign up later. But, if medigap or advantage includes drug coverage, do I still have to sign up for part D?

What I am looking for is good medical and drug coverage. I don't want to sign up and pay for duplicate coverages.

Trying to figure this out is a mess!
Date: Jan 20, 2015   

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