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My wife and I are responsible for an elderly person. Our friend has AARP medi-gap insurance and AARP Medicare Part D -- two separate policies.

You can save a buck or two with other companies -- in particularly if you want to comepar the cost of many mediciations for Part D. We started with a Humana plan and after one year the coverage decreases and the premiums went up. At that point we switched Part D to AARP.

It has been our experience the AARP insurances are above average in terms of coverage and have great customer support. It would take a significant cost advantage to consider a move.

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