Well, 'Ol Del and I do mean "ol" is a Blue Cross "victim"

I assume you are talking about a Medicare Advantage plan?
If so, I'm leaning more towards keeping Medicare and adding supplemental along with a part D.
Because of your very thing mentioned
Advantage plans CAN limit you.
Whereas retaining Medicare and adding a supplemental will allow service anywhere accepting Medicare
And accepting isn't the only problem with Advantage plans.
ALLOWED TREATMENT is as i understand it.
Denied treatment.....
The only caveat is one must obtain that supplemental at the correct time to avoid underwriting.


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