There is only one acceptable answer to this question and that answer is "you."
However, if you make the wrong decision about how to receive your Medicare, your health could be managed by an insurance company's budget analyst often more concerned about the profits of his employer than your best health outcome.
When you first go on Medicare - usually at age 65 but often later if you are still working - you can choose to receive your Medicare benefits through regular Medicare combined with a Medicare Supplement and a Medicare Part D drug plan.
Or, you can instead assign your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan such as Humana Gold Plus or Kaiser Permanente.
As you probably know by now, when you are about to turn 65, you receive a large amount of unwanted mail trying to persuade you to enroll in a specific Medicare plan.
At first, it can be very confusing. Prior to becoming eligible for Medicare, Medicare seemed like a simple program. You turn 65 and go on Medicare.
Unfortunately, Medicare has become more complicated as the government has allowed private, for-profit companies such as Humana to steer you into Managed Care Medicare Plans that can provide far less access to the health care you need and require you to pay far higher costs than you should.
These plans are very profitable for these companies at the expense of your health and financial well-being. The high profits these companies make from these plans are the reason they spend so many millions of dollars advertising them on television and in your mailbox when your are about to turn 65.
You have one goal when choosing a Medicare plan that far outweighs any other goal.
That goal is as follows:
At some point in your life - and I hope it never happens - you may be diagnosed with a serious health condition for which you want to use the doctor or hospital with the most experience and expertise for your condition and who therefore gives you the best chance for the best health outcome. If this happens, you should be able to get this care as soon as possible with little or no cost.
Being a doctor is a noble profession. But a doctor is not a commodity. Some doctors simply have more experience and expertise for certain conditions than others.
If you do not enroll in a Medicare Supplement when you first go on Medicare, you may never to able to get one.