Your last two columns have really made me question staying on my Supplement. I’m highly considering a change to an Advantage Plan because I can save over $100 per month in premiums and pick up hearing, dental, vision, and OTC (Over the Counter) benefits my Supplement doesn’t provide. I also pay for my own gym membership. My friends at the YMCA who have Advantage Plans go for free. Can you tell me the pros and cons of moving to an Advantage Plan?