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"Medicare Advantage is a *premium* service seniors can choose to buy--at extra cost."

I was just looking into this as hitting 65 (and Medicare becomes primary) and was told the MA plan would have zero premiums for me to pay, some co-pays lower than I'm paying now for doctors in the network, a $3900 annual out of pocket limit, dental and optical coverage I don't have now, and drug coverage with sliding co-pays depending on the drug or generic.

I'm told if I ho Traditional A&B, I'll need D as well that I have to pay for, and a Medicare Supplement coverage would also have a monthly cost in addition to the cost of B and still have co-pays for docs and drugs.

What am I missing? Anyone know a terrific site that explains this all?

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