You can choose either a supplemental plan or an advantage (Part C) plan. One word of caution,....... I had a similar question and did some research. A supplemental plan, while it gives you much better coverage, it can be costly. Also, in the small print, it states that if you are "below Medicare age of 65" and have Medicare due to disability, the cost of a supplemental policy is higher and the rate STAYS higher and continues at the disability rate even AFTER you turn 65.

Each individual has different situations and different needs. You need to take your situation into consideration. Just be careful you understand the fine print. I had wanted a supplemental plan even with the cost until I discovered that it would continue to be assessed at that rate beyond reaching full retirement age at which time disability reverts to retirement. I went with an advantage plan because that best suited my situation.

Also, plans differ from region to region. Don't forget that you can have original Medicare (Parts A & B) and add Part D for prescriptions, as another option.

There is no easy answer to your question. I suggest that you research the various options for your region, the coverage, and the costs.

Good luck to you. I am one month into my advantage plan and so far so good. Very happy with it. Time will tell.