I didn’t realize Medicare Advantage Plans don’t have a deductible for prescription drugs like my Stand-Alone Part D plan has. I meet it every year because I take a brand name medication. Many of my friends have HMO’s or PPO’s with zero or low premiums, and tell me they really like them because they pay $0 at their PCP, get really good dental coverage, and a catalog that they can order vitamins and over the counter medicine from for free. I’m really thinking about changing from a Supplement to an Advantage Plan for next year. Do you think that’s a good idea?