i highly recommend you talk with someone at your local state health insurance assistance programs for free unbiased help. find your local program by visiting the medicare. gov medicare helpful contacts page or by calling 1-800-medicare (1-800-633-4227).
i am 65 with metastatic colon cancer to the liver. i have an hmo but no outside options. i am a federal annuitant and am thinking of getting medicare b so i will have more options. my hmo is pushing for medicare advantage however given my situation i think that i would be better served by just paying for medicare b. hmo has labs chemo scans etc. in one building which is important to me. what are your thoughts?