What you're talking about is something like a company retiree with an additional union retirement benefit. That's different from me. In that case, they are sign

What you're talking about is something like a company retiree with an additional union retirement benefit. That's different from me. In that case, they are signing over their Medicare benefit and their union/company negotiated over their retirement health benefit. That is a different case. In my case, I had a choice between Traditional Medicare (A+B+G+D) or Medicare Advantage (C). Kaiser, for example, wouldn't have been $0/mo. I chose Traditional Medicare which for me is currently about $300/mo but I can go to UCSF or Mayo or anywhere that takes Medicare. I'm very happy with Traditional Medicare but I understand that there are retirees who've had their Medicare+company retirement benefits negotiated away. Their situation is ok but I prefer mine.