Thank you all for your responses. Yes, we're two years from retirement and medicare, and we know things can/will change by then. Last time we looked into what insurance my old school system offered retirees, they only offered Massachusetts-based primary care physician plans. It was a pleasant surprise to look now and find three medicare supplemental plans offered that state they're for people who retired in Massachusetts, but who live anywhere in the country. The differences between them being the amount of co-pays, and one that also covers vision and hearing. We'll certainly be doing more research before choosing a plan.
