Think of a Medicare Advantage plan as like riding the bus.
It may cost a little less than owing a car, but you have to put money in the bucket every time you use it.
You have to get on and off where the bus says to get on and off and if you go off the scheduled route it is going to cost extra.
This of a Plan F Medicare Supplement plan as like driving a car.
You get to go where you want when you want. It may cost a little bit more to operate a car, but the luxury of the freedom that you get with that is definitely worth it.
Remember what your mom told you as you were growing up?
"You get what you pay for!"
If you are hardly paying a premium for one of theose Medicare Advantage plans, then there may not be as much advantage in it as you probably think. For a good example - Look into the cost of cancer treatments and part B Medications!