As someone who is going to be 65 in a couple years and is researching Medicare options... it seems like a bit of a mess. The drug plans have been separated out

As someone who is going to be 65 in a couple years and is researching Medicare options... it seems like a bit of a mess. The drug plans have been separated out so you have to buy those separately. If you get an "advantage" plan then you've got the same old "in-network" "out of network" BS to deal with and they can and do deny coverage. If you get plain old Medicare (probably what I'll opt for) you can theoretically see any doctor (but there are some that don't take Medicare) but you still have to buy a "Medigap" plan. Looking at the costs for my wife and I being on Medicare is still going to be something like $700/month so don't think that when you get to Medicare age that you won't have to pay any insurance premiums anymore. We're currently paying about $400/month for a silver plan and dental through the ACA so our premiums will actually go up under Medicare.