All this is so confusing.Indeed. Imagine if every senior also had to pick their main health insurance that way, not just their drug plan. Thank goodness for Medicare.I'm sorry I can't help with your question...just turning 64 this year, me. Do people need to pick a Medicare supplemental and a separate drug plan, or are those usually offered as a single plan? Or is that only the case with MedicareAdvantage, which I believe covers the whole shebang (but is a sinkhole of $$ for the govt as it's for-profit and costs more than Medicare...it was an experiment in trying to run Medicare privately for less, which doesn't work and should've been abandoned, but insurance company lobbyists are powerful persuaders, and individual policyholders generally like MA too, as they generally pay less out-of-pcoket, but the rest of us pick up that tab...).Didn't The Who say, "Hope I die before I get old!"?!