@singingbones. If you switch your Medicare to a supplement (not advantage) but Supplement type plan G,F (there are many with alphabet names A, C etc.), your supplement would cover everything Medicare does not. For example I have Medicare A, and B with Supplement F and I pay about $120/month for F. When I get Evenity my out of pocket is zero because the supplement covers what Medicare B doesn't. It might be worth looking into. I realize the Advantage plans can be cheaper or zero premium but you are having to pay more because they don't cover as much as a supplement.