Posted 8/24/2017 8:23 AM (GMT -8)
A couple of items.
First, the different Medicare Advantage Plans can have significant differences as to co-pays, deductibles, and networks. So you must deal only with your insurance company as to the specifics of your own coverage.
Second, regarding returning to traditional Medicare A,B,D and a Medicare Supplement Plan. This can only be done during the open enrollment in the last few months of each year. You really can't change it right now. Also with the traditional Medicare you will need a Part D prescriptions plan. When it comes to getting a supplement plan, they can have underwriting constraints that may limit coverage or even deny coverage due to medical conditions and history. So it is important to find these things out well in advance of making any changes.
Relatively, the use of a Medicare Advantage plan presents a lower premium cost each month, but usually has a restricted provider network and higher deductible and co-pays. The use of traditional Medicare A, B, D and a medicare supplement will have a higher monthly premium. However, it will usually have much less cost of deductibles and co-pays. Plus the network is only limited by whether the provider takes Medicare. So you can go anywhere you want with few limitations or additional costs because of network concerns.