The Upside: You will receive free preventive services under Medicare. If you have Medicare prescription-drug coverage, you will pay less if you reach the coverage gap known as the doughnut hole.
The Downside: If you have a Medicare Advantage plan, your insurer may cut extra benefits or increase co-payments. Until 2019, Medicare beneficiaries earning $85,000 or more will pay higher Part B premiums.
10 million seniors are now in Medicare Advantage plans