Oh -- good old Medicare Part C and D...
very entertaining read Terry.
The way to get off the yearly hassle,
stay on A and B and buy a supplement (yep more costly because you're going back to original Medicare and supplementing the 20%...) many get accustomed to the 0 premium of part C, so each year they stick these Advantage plans or switch around...
...I still wonder if Medicare Advantage plans were the right thing to do, it's been so many years since I helped many with those....
Cheers keep well!