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!
Read responses in bogleheads.org