one of the best (I hope) things that we did was get rid of the supplement plan and sign onto an advantage plan.. the balances are set amounts and truthfully, we just save the money we were paying the supplement and RX plan to pay any set amounts as we need to. No monthly fee. Primary Care visits are no balance, as are mammograms, colonoscopies and other procedures. All our drugs are 100% free ( so far). The agent whom we signed up with was very knowledgable and told us seniors rarely go back to a supplement after subscribing to an Advantage plan.