The dreaded 65 is fast approaching and I have

[El Mimbreno]

30. Advantage plans

I've had a Humana Advantage plan for 5 years now, but planning to switch to United. At this time they seem to be offering more bang fol less bucks. Zero premium, $500 dental coverage, 0 copay for Primary provider, $35 for specialists, reasonable copays for diagnostic procedures (x-ray, CT, scope etc). 0 copay for tier 1 &2 meds through their pharmacy, $50 per quarter OTC allowance. They do have a plan that covers glasses, but it costs more and seems to fall short on other coverage.

My wife goes on Medicare in February and is looking forward to getting off of her current plan. Not a lot of options in our part of New Mexico. All of our current providers are in United's network.

Consider your own health, existing conditions, heredity, etc. as well as the $$ when deciding between advantage, supplemental or plain Medicare.