[Sunroof]

I have been on Medicare for several years here in Georgia. Keep it simple and do your research! I do not recommend going to one of these online brokers who will hound you and represent's several Medicare providers. Its HMO versus PPO actually. If you live in a large city that provides these large Medical Conglomerates like Piedmont Healthcare, or Wellstar, etc., its not a bad idea to get into one of these systems through a Medicare Plan. I use Human HMO Gold Plus, that does not have any premium, pays 100% of my Tier One prescription drugs (Humana Pharmacy), lets me select from a huge range of Primary Care Physicians and Specialists, has a number of clinics, hospitals and special service centers and..............free vision care, silver sneakers (free membership to any one of the exercise facilities), and on and on. If you are not on Social Security, you will be billed monthly by Medicare and for the supplemental insurance, so keep it simple if you are currently healthy. Everyone wants you! Go with what you specifically need right now as you can change every year to a new program if you are not happy, BUT call first to see if they are taking Medicare this year. Some of the large conglomerates were dropped by Medicare ( I heard it was about billing issues). Also, go online and look at the reviews for each of these providers. Its surprising what patients say regarding quality of service, waiting times, communications, etc. Again, keep it simple.

Good luck
Bob