Stop in for a cup of coffee
Let me say it this way. I look at 2 options right now.
Option 1. Stay working and get all of my physical needs taken care of with current Insurance through work. Then retire.
Option 2. Retire and let Medicare take care of it.
Which will be cheaper for me?
Since it varies somewhat by state, you should talk to a reliable agent you trust that represents a reliable company and go over your desires and plans with him/her.
I am in Texas and I have one brother in law that works for Thrivent, and another that is an independent agent, so I got lots of guidance - but they do the same for other folks everyday. They both advised not getting a Medicare Advantage plan (cost + benefits). They advised long term care coverage, but I outweighed that by about 20 lbs.
In my case, I retired, got Medicare and a supplemental through Thrivent. After retiring, I had foot surgery to relieve plantar faciatis (paid all but about $120 for anesthesia), minor surgery on both hands (paid all but about $120 for anesthesia).
I had great insurance at work until Obamacare - after that it became “sorta good”. Had I used it for those surgeries, my out of pocket expenses would have been several thousand.
BTW, Medicare does not cover vision or dental, so if your current insurance does, get that taken care of before retiring.
This is just my experience in Texas, may be different for you in your state.