[Sooner or later]

There are benefits and disadvantages to both.

Medicare plus supplemental will be more if you don't get sick. If you do get sick the cost will more than likely be less than an Advantage plan (Part C).

Also, Medicare Advantage plans are HMO or PPO so choices (in network) can be limited. There also will most likely be more hoops to jump through to get full benefits due to treatment approval.

Another thing to consider. If you sign up for Medicare and supplementals your price is locked in and increases are limited. If you choose an Advantage plan and have a long term illness you might want to change back to a Medicare + supplement plan since you can get a plan with zero out of pocket that will save more than the annual premium increase. Though, when you do so, your premiums will most likely be higher than if you initially chose Medicare + supplement from the start since you don't get the limiting of annual increases.

The Advantage plans set those high out of pocket annual numbers to keep the sick folks away. They cater to the currently healthy. As you age the possibility of going from healthy to unhealthy gets more likely.

Be sure to read the details of all the various types of coverage. Don't just focus on monthly premium costs.