 [ Symptoms ] i am eligible to go on medicare due to a disability  i am having an issue finding a company to get my part c coverage through i am told that i will most likely have to get an advantage plan what is the difference in the advantage plan and regular medicare will i also need part d prescription drug coverage if i go with the advantage plan are there penalties if i decline medicare completely and stay with my private pay insurance [ Disease ] any insurer that raises rates more than 10 will have to justify that increase under the law in some states insurance departments can deny insurers the right to raise rates higher than that in others they can not in recent history however insurers have backed down under the scrutiny