Choosing a Supplement instead of an Advantage Plan was always a no-brainer for me because I didn’t like rolling the dice on my future out of pocket heath care costs. I also like that I have access to basically every doctor and hospital in the entire USA without needing pre-approval by the health insurance company to get procedures or services. As long as my doctor orders them, I don’t need any authorizations and can get them asap. My question to you is since Stand Alone Part D drug plans are changing the way they cover Tier 3 drugs, could that extra cost per year be higher than an Advantage Plan’s MOOP? If that’s the case, there would be no financial advantage anymore to be on Original Medicare and Supplement. Is that correct?