I follow your column as it’s informative and I love that you seem genuinely concerned for folks. I’m 75 and my husband, Don, is 66. We are signed up for Medicare Part A only because although my husband owns his own business, he stayed with the union, and they provide health insurance for both of us. One issue is they changed from UPMC to Highmark and of course we had to find other doctors. Now he’s considering retiring to tap into pension, S.S. and retirement from the union, but he will still own the business. The retiree coverage appears to be an Advantage Plan PPO. My husband has Crohn’s disease and is getting Entyvio infusions every month. He also takes many medications including Trelegy, which I know is expensive. From following your column, I think a Supplement will give us better coverage. Am I correct? Please help.