Why does Medicare have to be so danged complicated?

[Silent Type]

7. It is complicated. Main reason is that Congress has to add coverage/programs

on a piecemeal basis, fixing one thing, patching coverage holes, etc. They’ve never done a comprehensive overhead. Doubt they will anytime soon.

MediGap coverage is pretty much the same no matter what company you get, as long as you get the same plan designation. Plan G offers pretty much same coverage no matter what insurance company you use. Plan G also covers the most of deductibles and coinsurance. Therefore, go for cheapest.

Plan D is different. You can see what plans you want based upon medications you take now, or can reasonably expect to take in future.

If it were me, I’d call a few LOCAL insurance brokers who represent many insurance companies. Tell them upfront you don’t want Medicare Advantage. They’ll find options for several MediGap and drug plans.

While I agree MA has disadvantages, it’s all some people can afford. About 50% of Medicare beneficiaries choose it. I’d start out like you suggested on traditional Medicare and MediGap and drug plan. You’ll have more flexibility in most states in choosing coverage in future.

Good luck. Not an expert, just my opinion after 10 years.