You have to be really careful with your terminology,
@olbriar, when it comes to Medicare plans. So I just wanted to be sure you were aware of the differences between supplement and advantage.
I've always heard prescription plans referred to as Prescription Drug Plans, or Medicare Part D.
I can't stress strongly enough how important an Advantage plan can be. You have nothing to lose by getting one that's free--unless you're dead-set on keeping your doctor, and s/he isn't in a plan. But you have
a lot to lose should you be hospitalized without one. My 20% of that hospital stay? $100,000+
You've been extraordinarily lucky. I can't even imagine being your age and never having an illness, or even a prescription! But, as this coronavirus pandemic has shown,
anyone--young, old, healthy, sick, rich, poor, black, white--can get very ill and be hospitalized, or die, unexpectedly. I'd hate to see you stuck with huge medical bills when it's so easy to prevent.
My Humana Advantage Plan includes parts A, B, and D (medical, hospitalization, prescriptions), plus vision and dental. [The latter sucks--for me--because my dentist isn't in their plan, and I won't switch to another dentist, so I pay out of pocket; he gives me a courtesy discount which helps a little. He happens to be a fellow Armenian, but that's not how I chose him.
]
I'm sorry if I sound preachy. It's just that I know firsthand what the financial fallout can be when hit with something serious, and only having original Medicare.