Medicare Supplement or Medicare Advantage?

For people turning 65 or losing group coverage after the age of 65, Medicare can be a welcome relief.  The medical benefits are much stronger (in most cases) and the premiums are relatively low.  Medicare Part A (hospital) is free and Part B (medical) is close to $100/month, depending on income.  So far, so good.  However, most people will want to supplement Medicare Part A and Part B since they still face a lot of risk for out-of-pocket expenses —