I've learned that if you don't get a supplement within 3 mos before and 3 mos after your birthday then you will be asked all types of health questions and it will cost you more, I think I am going with an advantage plan called Bravo, there is no premium and monthly charge and due to my income I can change at any time and not wait until the open season. There is so much to learn about this and there are changes the gov. makes so you don't know the exact choices to make, just take a chance.