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My wife and I have been on an Advantage plan for 9 years. Our health has been good, so we have saved LOTS of money. As we are nearing 75 years of age, our run of good luck is likely to run out. We are now preparing to switch to a supplement plan before poor health has a chance to set in. The bottom line is, if your health is decent, the Advantage plan can save you a lot of money. But I agree that it can be a bit of a crap shoot.