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I go on Medicare effective December 1. I'm signing up for a Medigap policy this week, plus a separate drug plan. I'm avoiding Medicare Advantage because I have significant pre-existing issues, and I'm concerned about not being about to see the right specialists down the road, and I'm also concerned about Medicare Advantage not being so advantaging down the road. Bottom line: I'm willing to pay a little more to be as certain as I can be that I'll get the best coverage I can get on Medicare. My biggest concern is that Obama plans to gut Medicare by rationing and exclusion for certain high cost medical procedures, but there is little I can do about that in the event it happens.
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