I see you asked for a second opinion. That's fine with me.
However, is there something specific I can address for you?
There are various types of Medicare Advantage Plans, so it is important to know what the provisions of your plan entail. You can't have a Medicare Advantage Plan & a so-called Medigap plan too. It simply isn't allowed.
As I said previously, if your Medicare Advantage Plan includes prescription drug coverage, then there is nothing else you need. If it doesn't then you would need to purchase a Medicare Plan D in addition to the Medicare Advantage Plan.
You will find that if you choose to go with a Medicare Advantage Plan to cover the additional 20% of your Part B coverage that Medicare doesn't cover, that your premiums and co-payments are lower but the coverage isn't as comprehensive.
If you go the route of a Medigap Policy & a Part D policy for prescriptions, you will find various options available within these plans, but generally you can purchase better coverage this way & of course the premiums are higher.
Again, I would be happy to answer any questions.
In any event, I would appreciate it if you would take a moment to rate my response as that is the only way I will receive credit for assisting you today.
Thanks very much,