Medicare Advantage or Supplement: What’s Right for You?

The Happy Retirement Show with Victor Gray and Colin Hurst

In this episode, Colin welcomes back Medicare Advisor Alex Sieler to unpack one of retirement’s most common questions: Should you choose Medicare Advantage or a Medicare Supplement? What’s the real difference? Is a $0/month plan too good to be true? And why do some retirees still choose to pay more?

Alex walks through the pros and cons of both options, including coverage flexibility, network limitations, potential out-of-pocket costs, and even some overlooked perks. You’ll hear how things like your doctors, travel plans, and even family health history can tip the scales, and why the “best” choice isn’t the same for everyone. They also explain why your coverage needs can change over time and how annual reviews keep you ahead of network or plan changes. Plus, you’ll hear why using an advisor costs the same as going direct, but can help you avoid costly surprises.

Here’s some of what we discuss in this episode:

⚖️ Medicare Advantage vs. Supplement explained

💵 $0 premiums vs. fixed monthly costs

🚑 The role of networks and travel in your decision

🦷 Dental and drug coverage gaps

📅 Why annual reviews are so important

Learn more about Precise Insurance Advisors:

https://www.preciseinsadvisors.com/

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