After 8 years on SS and Medicare my findings, if you’re healthy go with the cheapest plan, no so healthy go with total protection, no co-pays no deductibles. Advantage plans only works if you’re healthy, no monthly payment but big deductible if you get sick or pieces start breaking down. I took plan F at the start but that’s no longer available (but I still have it), I wanted EVERYTHING payed for, nothing out of pocket. Nice to walk in and get a $300,000 aorta stent then walk out with no bill. By all means find an independent agent to guide you thru the process. The scrip side too!
Also once you get Medicare you GET doctors fast, I have 9 different ones now. Before Medicare 3, they pass you around to all their buddies for a piece of the Medicare pie.