Social Security & Medicare

Don't do Advantage.
Do get a supplemental.
We haven't found dental or vision that's worthwhile, but we're still looking.

The Medicare counselor we used hosted a seminar that made a world of difference. It was about two hours long, held at the public library. I STILL consult the notes at the end of each year when it's time to think about seeking a new Rx provider.

And oh yeah--the prescription supplement. Depending on what you take, but sure to examine the formulary carefully. The first year, the advisor does that for you (worth its weight in gold) but if you change meds, you need to reexamine annually. So far, that's the only ongoing challenge for me.