# Medicare Decisions **URL:** \ **Category:** Uncategorized\ **Created:** [November 12, 2025, 2:46am UTC](https://community.clark.com/t/medicare-decisions/8568 "2025-11-12T02:46:08Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![Tara](https://avatars.discourse-cdn.com/v4/letter/t/b4bc9f/32.png) [@Tara](https://community.clark.com/u/Tara)\ **Post date:** [November 12, 2025, 2:46am UTC](https://community.clark.com/t/medicare-decisions/8568/1 "2025-11-12T02:46:08Z")
So do I understand Clark right, in that I should just have regular Medicare A & B, and not choose an advantage plan? Also, what is the Best Part D for prescriptions? ---
**Author:** ![Nicki54](https://avatars.discourse-cdn.com/v4/letter/n/e274bd/32.png) [@Nicki54](https://community.clark.com/u/Nicki54)\ **Post date:** [November 12, 2025, 4:50am UTC](https://community.clark.com/t/medicare-decisions/8568/2 "2025-11-12T04:50:29Z")
Your Part D choice will likely be highly dependent on what prescriptions you use and which plans cover them. ---
**Author:** ![glasspilot](https://avatars.discourse-cdn.com/v4/letter/g/eada6e/32.png) [@glasspilot](https://community.clark.com/u/glasspilot)\ **Post date:** [November 12, 2025, 3:04pm UTC](https://community.clark.com/t/medicare-decisions/8568/3 "2025-11-12T15:04:21Z")
> [@Tara](#): > > So do I understand Clark right, in that I should just have regular Medicare A & B, and not choose an advantage plan? Also, what is the Best Part D for prescriptions? Tara, you’re missing one part, the “Supplemental” (Medigap). So you got “A” , “B”, Medigap and part “D”. This is our great medical care we have in our country. ---
**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\ **Post date:** [November 12, 2025, 4:55pm UTC](https://community.clark.com/t/medicare-decisions/8568/4 "2025-11-12T16:55:27Z")
Yes Clark recommends not choosing an advantage plan. You can chose a plan on your own or use a Medicare Broker. There is no additional cost to you to use a Medicare broker. If you do it yourself, sources include your State Health Insurance Assistance Program (SHIP). The [medicare.gov](http://medicare.gov) web site lists Medigap and Medicare Part D prescription plans for your zip code: select " find health & drug plans". On a yearly basis recheck the Medicare Part D prescription plans since the plans coverages change and your medications may change. ---
**Author:** ![NancyM](https://avatars.discourse-cdn.com/v4/letter/n/439d5e/32.png) [@NancyM](https://community.clark.com/u/NancyM)\ **Post date:** [November 12, 2025, 4:59pm UTC](https://community.clark.com/t/medicare-decisions/8568/5 "2025-11-12T16:59:47Z")
Also check with your employer if you currently have coverage with them. They might have some kind of prescription or medigap/supplemental policies. ---
**Author:** ![cknoll74](https://avatars.discourse-cdn.com/v4/letter/c/cdc98d/32.png) [@cknoll74](https://community.clark.com/u/cknoll74)\ **Post date:** [November 15, 2025, 12:02am UTC](https://community.clark.com/t/medicare-decisions/8568/6 "2025-11-15T00:02:38Z")
If you can afford the premiums, a supplemental (aka. “medigap”) plan provides much better coverage than an advantage plan. I highly recommend [BoomerBenefits.com](http://BoomerBenefits.com). They are a no cost “broker” that will show you options in your area, with cost comparisons. They also provide many informative videos. (They provide the same service that you can do for yourself at [Medicare.gov](http://Medicare.gov).) ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [November 15, 2025, 1:44pm UTC](https://community.clark.com/t/medicare-decisions/8568/7 "2025-11-15T13:44:03Z")
Boomer Benefits people are very well informed. I got some “AHA” tips from them… then bought an AARP-UHC supplemental plan. Free consulting, I guess. ---
**Author:** ![Steve\_Burns](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/steve_burns/32/417_2.png) [@Steve\_Burns](https://community.clark.com/u/Steve_Burns)\ **Post date:** [November 15, 2025, 10:34pm UTC](https://community.clark.com/t/medicare-decisions/8568/8 "2025-11-15T22:34:05Z")
I would not use any sites that make commisions. I always go to [Medicare.gov](http://Medicare.gov). I checked eHealth just out of curiosity and my current Blue Cross Advantage plan was not there. I asked online chat and they said they don’t offer that plan even though it said these were all the plans available in my zipcode. . So beware they only sell stuff that makes the most money for them! ---
**Author:** ![NancyM](https://avatars.discourse-cdn.com/v4/letter/n/439d5e/32.png) [@NancyM](https://community.clark.com/u/NancyM)\ **Post date:** [November 17, 2025, 7:05pm UTC](https://community.clark.com/t/medicare-decisions/8568/9 "2025-11-17T19:05:50Z")
My neighbor works for a large insurance company that handles Medicare/Medicaid. She said to just go to the government Medicare website – all of the info is there. ---
**Author:** ![Steve\_Burns](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/steve_burns/32/417_2.png) [@Steve\_Burns](https://community.clark.com/u/Steve_Burns)\ **Post date:** [November 17, 2025, 7:21pm UTC](https://community.clark.com/t/medicare-decisions/8568/10 "2025-11-17T19:21:28Z")
Absoulutely!, Do not use any of the for profit insurance brokers except for general research. I was checking the eHeath site and noticed that my Blue Cross HMO-POS plan was not there, even though it said that these were all the plans available in my zipcode. I went online chat and was told that they did not offer that plan. ---
**Author:** ![James\_A](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/james_a/32/3566_2.png) [@James\_A](https://community.clark.com/u/James_A)\ **Post date:** [November 18, 2025, 9:16pm UTC](https://community.clark.com/t/medicare-decisions/8568/11 "2025-11-18T21:16:10Z")
What about a medicare advantage plan from my government employer that I retired from? ---
**Author:** ![JTraveler](https://avatars.discourse-cdn.com/v4/letter/j/9f8e36/32.png) [@JTraveler](https://community.clark.com/u/JTraveler)\ **Post date:** [November 19, 2025, 4:10pm UTC](https://community.clark.com/t/medicare-decisions/8568/12 "2025-11-19T16:10:04Z")
I posted the below in another string here also - for me going to the senior center (or other non-profit agency) made things easier for me - each year, the person runs the formula for Med D “An advisor at the senior Center suggested I not include an expensive eye drop in the formula to pick a Med. D plan and to buy that eye drop using Good RX type plan. The result was a cheaper D plan premium and the eye drop was significantly cheaper to purchase using GoodRX. Speaking with an informed independent was well worth the effort.”