Such a helpful and thorough explanation, thanks! I am not on any of these meds, at least not yet, but I do follow this discussion group due to having osteopenia. My late husband and I both had Medicare Advantage plans with our state teachers’ retirement boards. When his health issues became increasingly more complex - and when I discovered that a preferred rehab facility to which he may have needed to go didn’t have an agreement with our plan - I changed him to traditional Medicare and purchased a supplement. Even the rep at the retirement board stated that traditional was better for him due to his multiple issues and that was confirmed to me by a friend who is both a nurse and a social worker. I wish more people knew this! According to my endocrinologist, I may need one of these meds if I have to have spinal surgery at some point (before the surgery) so I am thinking that at some point soon I’ll make the switch.