Just beware your medicare “planner” is likely a peddler/pusher of so-called Medicare “Advantage” plans that are neither medicare nor advantageous. Yes they will have some purported “benefits” that are not a part of medicare. However they ARE private coverage, and most often HMOs. There are other versions such as PPO that are not quite as awful.
The problem with these “plans” is invariably they restrict not only what services you can get but where you can get them. No matter what 0Bama said you cannot keep your doctor. There are two gate keepers that you cannot touch: Medicare itself plus the insurance company. If Medicare won’t cover, company won’t. If Medicare will, comany might.
What you want is straight medicare and a supplement such as Plan G. It will likely cost more than a so-called Advantage, but you have to consider that the supplement is an insurance plan for if/when you get really sick and the others will not cover.