From what I understand with the regular Medicare system you pick a plan. There was a discussion on a group about Medicare Advantage Plans not paying and denying coverage for certain things. It must be cheaper, I have no clue. Maybe you should check into other plans. Somebody who used Medicare said they picked Group G and it was fantastic. All I know about the Federal Medicare system is what I see on TV ads. My SHBP Medicare program pays for all of my drugs. Never been denied coverage. Now I might have to jump threw a few hoops to get what I need but it has always worked out.