Hi, so I'm 62 and my Cobra ran out from my employer 7 months after my transplant (heart double lung), I saw the cost to get a supplemental in the premium was outrageous and then it doesn't cover prescription. I ended up after a lot of research using the AARP Medicare advantage plan their PPO plan. I can tell you that Mayo Clinic is in network and they are accepting that insurance and it was significantly cheaper when you add up all the max out of pocket and everything versus a supplemental. I know I'm going to revisit this when I turn 65 and probably switch to a supplemental then but right now I have a plan that covers Medicare a and b, prescriptions, dental, optical and the premium is 40 bucks a month now there are copays but I have not found them unreasonable at this point and I have biopsies and a lot of care that is done at Mayo. Be careful when people tell you that a Mayo does not accept an advantage plan it depends on the plan and it's kind of the other way around it's whether or not the advantage plan includes Mayo Clinic in their Network. Hope this helps best of luck.