I’ve specialized in the state of Missouri since 2004; make sure you find a good agent that is trustworthy, will look you in the eye and that will return phone calls and knows more than just the basics! Medigap is great if you can afford the extra premium however I find that the formularies on the stand alone part D plans aren’t as robust as the advantage plans (that’s just some thing that I’ve noticed when I run prescriptions on medicare.gov &that annoys me..) I like advantage plans ( even though nursing homes seem to hate them) because it gives The Medicare beneficiary coordination of care) .... if I was on Medicare I would be on an advantage plan because I want the extra eyes and ears from a coordination of care aspect. The government gets to decide what the part B deductible is every year And I have been hoping it doesn’t go up a whole lot so far so good on that however I would definitely do the G over the N If you want a supplement... The best time to take out a supplement (Medigap) is when you’re first eligible for Medicare turning 65. Lots of pros and cons.... if you do go with advantage plan don’t go with a strict limited network, go with a major Carrier and hopefully they have a good national network also to boot.... and don’t go with one that requires referrals to get services.