A medicare advantage plan is a replacement for medicare part B and part D (prescription drug plan) . It is basically an HMO. Your out of pocket costs would be next to nothing under this type of plan. SS will take 104.00 a month out of your SS check to pay for it.
What you will have is Medicare A, B and a medicare suppliment (your employers coverage). I don't know if you will have part D prescription drug coverage. You need to clarify that. I think Part D is very important. Uninsured prescription drugs can cost hundreds a month or more. Maybe not right now but later in life. Whatever you do you will have the opportunity to change it once a year during open enrollment regardless of pre existing conditions.
Last edited by RISKDR1; 09-03-15 at 05:10 PM.
Reason: deletion